Expat insurance. For a carefree start in Switzerland.

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New to Switzerland? The Welcome Package covers you and your family for the first 90 days, assuring you of a carefree start to life in Switzerland.

You can take out the package easily online

Household contents and liability from CHF 1.- per day

Immediate insurance cover for the first 90 days

Suitable for single- and multi-person households

Professional consultation from Helvetia specialists when cover expires

Why is expat insurance advisable?

When you are new to a country, you first have to find your feet – both in your private life and in the workplace. Expat insurance lets you do this without additional worries because it provides you with favourably priced liability and household contents cover. You and your family are covered from day one for the first three months. During that period, you can take your time to decide what insurance cover you really need. Helvetia would be pleased to assist you with this and offers a specialized consultation service for anyone who is new to the country.

The benefits we offer you

Expat insurance is specifically tailored to the needs of people who are new to Switzerland. It offers a combination of liability and household contents insurance at favourable premium rates.

Household contents

Household contents insurance provides protection for the movable property in your new home against the risks of fire, water damage, theft, glass breakage and natural forces.

The deductible amounts to CHF 200

You are free to select a sum insured between CHF 40,000 and CHF 120,000

In cases of theft outside your home, Helvetia pays the costs of the stolen items for an amount of up to CHF 2,000

Household contents

Household contents insurance provides protection for the movable property in your new home against the risks of fire, water damage, theft, glass breakage and natural forces.

The deductible amounts to CHF 200

You are free to select a sum insured between CHF 40,000 and CHF 120,000

In cases of theft outside your home, Helvetia pays the costs of the stolen items for an amount of up to CHF 2,000

Private liability

Private liability insurance provides cover for the financial consequences if you inadvertently injure a third party or damage their property. It also includes legal expenses insurance in connection with property rental contracts.

The deductible amounts to CHF 200

The sum insured is CHF 10 million

Private liability

The deductible amounts to CHF 200

The sum insured is CHF 10 million

Simple, online. Calculate premium now.

Calculate the premium for your expat insurance online now or arrange a non-binding consultation.

Calculate premium

Calculate premium

Your questions. Our answers.

What types of insurance are compulsory in Switzerland?

What types of insurance are recommended?

Household contents and liability insurance are among the most important kinds of insurance in Switzerland. You can supplement your household contents insurance with valuables insurance, which provides comprehensive cover for particularly valuable items, like musical instruments for instance.
You should take out buildings insurance to cover any houses or residential property you own. Property owner's liability insurance protects you against the consequences of damage or injury suffered by other people because of defects in your property.
If you drive a car, you should consider adding partially or fully comprehensive cover to your mandatory motor vehicle liability insurance.
As a new arrivals, you are likely to have gaps in your social insurance benefits owing to missing years of contributions: safeguarding your partner and family against the financial effects of death and incapacity to earn generally isn't expensive and is highly recommended.

Downloads & Links

Welcome package for newcomers – STI [PDF, 370 kB]