Polia Help & Procedures 2026
All concrete procedures in one place. Legal deadlines, templates, math.
Cancel your health insurer: November 30 deadline, step-by-step
Legal deadline November 30 by registered mail for January 1 switch. Polia walks through each step and provides the cancellation template.
lamalLAMal deductible explained: choosing 300 vs 2,500
Break-even math and Polia advice by health profile.
lamalLAMal models explained
4 insurance models and their discounts (up to -20%).
lamalLCA vs LAMal: 7 differences to know
Understand basic and supplementary insurance in Switzerland.
lcaCantonal premium subsidies 2026
30%+ of Swiss insured qualify for a reduction. How to calculate and apply.
lamalCross-border workers: LAMal or home scheme
The choice that can mean CHF 3,000/year — 3-month deadline.
lamalCancel car insurance
3-month notice + special cases (claim, sale, leasing).
autoSwitch mortgage
When to switch + how to avoid early-exit penalties.
mortgageCross-border worker: LAMal or home-country system
Right of option within 3 months. LAMal covers care in CH; CMU covers home country. Honest comparison.
lamalDown payment for Swiss real estate
Legal minimum 20%, of which 10% in cash outside 2nd pillar. Detailed calculation for CHF 800,000.
mortgageDirect or indirect amortisation?
Indirect via 3a = tax savings. Direct = faster repayment. Numbers crunched.
mortgagePreparing retirement at 50
15 years to optimise: LPP buy-ins, max 3a, wealth review, AVS.
taxPension or lump sum at retirement?
A CHF 200,000+ lifetime decision. Criteria, taxation, optimal mix.
taxRenewing SME insurance annually
September annual audit: RC pro, LPP, perte de gain, cyber, fleet. 3-month notice.
generalFirst employee: mandatory insurance
Hiring first employee: LAA, LPP, AC, AVS, family allowances. 30-day registrations.
generalSelf-employed: legal insurance obligations
AVS mandatory, LPP optional, LAA uncovered. Common traps.
generalCovering key associate death
Key-man insurance: death benefit to company. CHF 500K-2M typical.
generalSelf-employed pro liability
Covers damage to clients/third parties. CHF 2-5M cap, exclusions to know.
generalRelocation: full insurance checklist
Every move: LAMal (NPA), household, auto, bank. 10 steps in 2 weeks.
generalBirth: enrol child + review insurance
3 months to enrol baby in LAMal. Review prenatal LCA, life-risk, family 3a.
lamalCantonal LAMal subsidies
Cantonal aid up to CHF 600/month for modest households. Application, criteria, deadlines.
lamalPersonal loan refinancing
Combine multiple loans = lower monthly + interest savings.
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