Compare 30+ Swiss health insurers, your auto, home, mortgage and pillar 3a — for free, in 3 minutes. Public methodology, no commercial pressure.
LAMal
Caisse maladie · 8 caisses · 2026
Polia n'est pas un comparateur de plus — c'est l'écosystème assurance le plus avancé de Suisse romande. IA conversationnelle, scanner de contrats, baromètre data, guides PDF.
Chat conversationnel · 24/7
Posez votre question sur LAMal, LCA, 3a, hypothèque, frontalier — réponse personnalisée chiffrée en 2 secondes.
Parler à Jeremy BETAScanner IA de contrats
Uploadez votre police PDF — l'IA extrait franchise, modèle, options et compare automatiquement à 8 alternatives.
Scanner mon contrat LIVEBaromètre du marché
8 indicateurs (LAMal, SARON, Hypo, 3a, LCA, Auto, RC, LPP) avec sparklines sur 36 mois. Données officielles.
Voir le baromètre GRATUITRessources Polia
200+ pages d'expertise : LAMal, Calendrier, Audit, Frontaliers, 3a, Hypothèque, PME, LCA, Déménagement, Naissance.
TéléchargerIA spécialisée Suisse
Jeremy IA est entraîné sur 10 ans de données du marché suisse + vocabulaire officiel CH (LAMal, LCA, NPA, SARON, OFSP…). Aucun comparateur concurrent ne le fait.
Données publiques transparentes
Polia Index est mis à jour mensuellement avec sparklines historiques. Vous voyez l'évolution réelle du marché — sans filtre marketing.
200+ pages de contenu original
10 guides PDF rédigés par notre rédaction spécialisée, mis à jour à chaque annonce officielle. Pas de copier-coller, pas de greenwashing.
Multi-compagnies sans préférences commerciales, comparateur indépendant, audit gratuit avant toute proposition. Polia est le comparateur que vos voisins recommandent.
100% sans engagement
Polia chiffre votre économie potentielle sur LAMal + LCA + auto + 3a + hypothèque en 30 minutes. PDF récapitulatif sous 48 h. Aucune pression à signer.
Avant toute proposition
Polia analyse vos contrats existants en détail — exclusions, plafonds, doublons, sur-couvertures — AVANT de proposer quoi que ce soit. Vous savez exactement ce que vous avez avant d'arbitrer.
Optimisation systématique avant le 30 novembre
Chaque année avant l'échéance légale (30 novembre par recommandé), Polia revoit votre LAMal + LCA. Si une caisse moins chère ou un meilleur modèle existe, on bascule. Sans rien faire de votre côté.
En lien avec les déductions cantonales
Stratégie multi-comptes 3a chez 3 à 5 établissements pour échelonner les retraits à la retraite et réduire l'impôt total selon votre situation. Calcul en lien direct avec votre canton.
En français, dans toute la Suisse romande
Un conseiller Polia se déplace gratuitement chez vous — Vaud, Genève, Valais, Neuchâtel, Fribourg, Jura. 30 minutes, café offert, sans costume-cravate. Convient aussi pour les seniors et personnes à mobilité réduite.
LPP, perte de gain, RC pro avec offres comparées
Polia couvre aussi PME et indépendants : RC professionnelle, LPP/2e pilier, perte de gain maladie, cyber, key man, flotte. 8 assureurs B2B comparés — des économies possibles selon le profil de votre PME.
12 verticals — insurance, finance, telecom, energy. Over 200 products compared on public criteria.
★ PopularCompare 30+ Swiss health insurers in 2 minutes — possible savings depending on your profile.
Compare
★ PopularLiability, partial and full collision — compare 25+ insurers in 2 minutes.
Compare
★ PopularContents, theft, water damage, personal liability — compare top coverage.
Compare
Term or mixed life — protect your loved ones and optimise taxes.
Compare
Cancellation, medical, repatriation, baggage — travel worry-free.
Compare
Private, traffic, tenant, work — a lawyer by your side.
Compare
Vet fees for your dog or cat — covered up to CHF 6,000/year.
Compare
★ PopularOptimise retirement and reduce your taxes depending on your situation.
Compare
★ PopularCompare 70+ banks and insurers. Fixed, SARON, hybrid — calculate affordability.
Compare
Compare rates, instalments, terms across 15+ banks.
Compare
Current, savings, neo-banks (Yuh, Neon, Zak), trading — compare fees and rates.
Compare
Compare 30+ operators: unlimited, prepaid, data — possible savings depending on your usage.
Compare
Compare 50+ cards: no foreign fees, miles, cashback — find yours in 2 minutes.
CompareCompare 2026 savings rates — up to 1.8% at some banks.
CompareNo endless questionnaire, no cold calls. You compare, you decide.
Canton, age, deductible, model. Three simple choices — no medical data, no phone interview.
All relevant insurers in the market, ranked by monthly premium. 100% public methodology.
Pre-filled cancellation letter as PDF, in one click. Effective on January 1 of the following year.
Pick your canton, age, deductible and model. See instant ranking of 2026 monthly premiums — no form, no email required.
In-depth articles written by our team — no jargon, no disguised commercial pitch.
5 criteria to pick your LAMal insurer wisely and pay less for your profile.
ReadFrom CHF 300 to 2,500: how the LAMal deductible changes your premium, and how to pick the right one.
ReadThe Telmed model cuts your premium by 12-20% in exchange for calling a medical hotline before any consultation. Is it worth it for you?
ReadWhy your 2026 premium varies so much, and the 4 levers to lower it without changing your benefits.
ReadNotice periods, the 3-year termination right, premium hikes: how to cancel an LCA supplementary without a trap.
ReadComplete comparison, numbered scenarios and decision rule to choose the right mortgage type.
ReadGuide to choosing between bank 3a (flexibility, low fees) and insurance 3a (guaranteed capital, life cover).
ReadThe 4 traps in the car insurance market and how to spot them in 5 minutes.
ReadFX fees, withdrawals, dynamic currency conversion: 4 concrete levers to stop losing money to your bank on foreign spending.
ReadWhich Swiss neobank should you pick in 2026? Structured comparison of fees, features and limits.
ReadLesser-known deductions that can lower your 2026 tax depending on your situation — and how to use them before December 31.
ReadMandatory basic insurance (LAMal) vs optional supplementary (LCA): what sets them apart.
ReadThe deadline, the LAMal cancellation template and every step to switch insurer on January 1.
Read3-month deadline, retroactive effect, choosing an insurer and subsidies.
ReadThe cross-border worker's option: Swiss LAMal, French CMU or private insurance — an irrevocable choice.
ReadThe individual premium reduction (subsidy) lowers your LAMal premium based on income and canton.
ReadWhat LAMal covers, what needs supplementary cover, and how to choose.
ReadPrivate or semi-private room, free choice of doctor and hospital.
ReadWhen and how to withdraw 3a to buy your main home, and how the withdrawal is taxed.
ReadTied (3a) or free (3b) pension: tax, lock-in, flexibility.
ReadOutpatient supplementary cover handles glasses, fitness, travel vaccines, prevention.
ReadThere's no single best pillar 3, only the best for you: fees, type, flexibility.
ReadWithout a mandatory 2nd pillar, the self-employed can contribute far more to 3a.
ReadPillar 3a depends on being taxed in Switzerland.
ReadWho must insure, possible exemption, young-adult premiums and subsidies.
ReadFive concrete levers to lower your LAMal premium without cutting basic cover.
ReadWhy insurers ask it, what to declare honestly, and the consequences of false statements.
ReadWhy supplementaries get harder to obtain with age and how to anticipate.
ReadWhat LAMal covers with no deductible, what supplementary adds, and why to subscribe before pregnancy.
ReadHow to organize a family's health cover: insure baby from birth, useful child supplementaries, optimize the budget.
ReadBasic LAMal is guaranteed for life, even when ill. Deductible strategy, supplementaries and pre-existing conditions.
ReadHow to open a 3a in minutes: choose bank or insurance, open online.
ReadStarting 3a at 25 rather than 40 changes everything thanks to time.
ReadOur team breaks down regulatory shifts, premium hikes and market opportunities — without the jargon.
One in five Swiss SMEs suffered a cyberattack in 2025. Ransomware, phishing, data breach: what good cyber insurance covers.
Read article
AHV cut, pension reduction, withdrawal tax, contribution gaps: the real money questions of retiring at 60.
G permit, right of option, 3-month deadline: a French-Swiss cross-border worker must choose between LAMal and CMU. Here's how to decide.
No federal inheritance tax but a cantonal patchwork. Geneva/Vaud/Zurich comparison + 4 planning levers.
Free choice of doctor, single room, out-of-canton hospital: the concrete differences between semi-private and private.
Realistic net yield, tax, financing, tenant management: the guide to assess a Swiss buy-to-let investment in 2026.
Health premiums vary 2x depending on the canton. Check your local 2026 average and find the cheapest insurer.
Median adult premiums, CHF 2'500 deductible, with accident cover. Source: FOPH, 2026 premiums. Indicative amounts — your premium depends on your insurer, insurance model and municipality.
30 Swiss companies: health insurers, multi-line insurers, traditional banks, neo-banks and telecom operators.
Comparateur 100% indépendant, méthodologie publique, aucune commission cachée. Vos données restent en Suisse, chiffrées au repos et en transit.
30+
Marques comparées
100%
Méthodologie publique
0
Pop-up de capture email
LPD
Conformité LPD révisée
Les avis Trustpilot seront affichés ici dès activation du compte Polia Business.
En attendant : notre méthodologie complète est publique sur /methodologie.
Feedback from people who compared on Polia.
I lowered my health insurance premium in under 5 minutes. The comparison was clear and the cancellation letter was generated automatically.
The 3a calculator showed I could reduce my tax this year. I switched to Viac.
Transparent auto comparison — I found a cheaper partial casco for the exact same coverage.
Illustrative testimonials. Actual savings depend on your personal situation (canton, age, risk profile, vehicle, etc.).
If your question isn't here, contact us. The team replies within 24 business hours.
Yes, completely. Comparing on Polia costs you nothing. When you decide to subscribe with an insurer via Polia, that insurer pays us a brokerage commission. This commission is identical for all partners in the same category — that's what guarantees our independence in the ranking.
The default ranking is always based solely on the monthly premium (cheapest to most expensive). Our compensation comes from identical commissions across all categories, published in our methodology. If an insurer refuses to work with us, they would still appear in the comparator (without a direct subscription button).
Yes. Polia is operated by Vanguard Advice SA, a Swiss company subject to the revised FDPL. Your data is stored in Switzerland, encrypted at rest and in transit (TLS 1.3, AES-256). We never resell data and never cold-call you without your explicit request.
For a change effective on January 1 of the following year, your cancellation letter must reach your current insurer by November 30 by registered mail. Polia generates this letter automatically in PDF when you start a comparison — just print, sign and send.
Yes, but with an important distinction: supplementaries (hospital, dental, alternative, outpatient) are not regulated like LAMal. Insurers can refuse applicants or exclude pre-existing conditions. Our LCA comparator factors in your age, history and preferences to suggest relevant coverage.
Polia is a brand operated by Vanguard Advice SA, a Swiss public limited company based in La Sarraz (VD), registered under CHE-132.875.747. The company is run by a team of independent Swiss entrepreneurs, with no insurer shareholding. Our complete methodology is public on the /methodologie page.
Polia opens in 2026. Sign up to be among the first to compare — and unlock launch perks.
By signing up you agree to receive one email at the launch of Polia. No spam, ever.