Guides
Detailed articles to choose your insurance, mortgage, 3rd pillar and telecom plan.
How to choose your health insurer in 2026
5 criteria to pick your LAMal insurer wisely and pay less for your profile.
Health insurance deductible 2026: how to choose
From CHF 300 to 2,500: how the LAMal deductible changes your premium, and how to pick the right one.
Telmed model 2026: how it works and savings
The Telmed model cuts your premium by 12-20% in exchange for calling a medical hotline before any consultation. Is it worth it for you?
2026 health insurance premium: what changes
Why your 2026 premium varies so much, and the 4 levers to lower it without changing your benefits.
Cancelling your supplementary insurance (2026)
Notice periods, the 3-year termination right, premium hikes: how to cancel an LCA supplementary without a trap.
SARON or fixed rate: how to choose in 2026
Complete comparison, numbered scenarios and decision rule to choose the right mortgage type.
Pillar 3a: bank or insurance?
Guide to choosing between bank 3a (flexibility, low fees) and insurance 3a (guaranteed capital, life cover).
Comparing car insurance: traps to avoid
The 4 traps in the car insurance market and how to spot them in 5 minutes.
The ideal credit card for travel without hidden fees
FX fees, withdrawals, dynamic currency conversion: 4 concrete levers to stop losing money to your bank on foreign spending.
Swiss neobanks 2026: Yuh, Neon, Zak, Alpian compared
Which Swiss neobank should you pick in 2026? Structured comparison of fees, features and limits.
Tax optimization 2026: 7 levers to pull before December 31
Lesser-known deductions that can lower your 2026 tax depending on your situation — and how to use them before December 31.
LAMal vs LCA: understanding the difference
Mandatory basic insurance (LAMal) vs optional supplementary (LCA): what sets them apart.
Cancel your health insurer: deadline and template letter
The deadline, the LAMal cancellation template and every step to switch insurer on January 1.
Health insurance for newcomers to Switzerland
3-month deadline, retroactive effect, choosing an insurer and subsidies.
Cross-border worker: LAMal and right to choose
The cross-border worker's option: Swiss LAMal, French CMU or private insurance — an irrevocable choice.
Health insurance subsidy: who qualifies and how to apply
The individual premium reduction (subsidy) lowers your LAMal premium based on income and canton.
Alternative medicine insurance in Switzerland
What LAMal covers, what needs supplementary cover, and how to choose.
Private and semi-private hospital insurance in Switzerland
Private or semi-private room, free choice of doctor and hospital.
Withdrawing pillar 3a for buying property
When and how to withdraw 3a to buy your main home, and how the withdrawal is taxed.
Difference between pillar 3a and 3b
Tied (3a) or free (3b) pension: tax, lock-in, flexibility.
Outpatient insurance in Switzerland
Outpatient supplementary cover handles glasses, fitness, travel vaccines, prevention.
Best pillar 3 in 2026: how to choose
There's no single best pillar 3, only the best for you: fees, type, flexibility.
Pillar 3a for the self-employed in Switzerland
Without a mandatory 2nd pillar, the self-employed can contribute far more to 3a.
Pillar 3a and cross-border workers
Pillar 3a depends on being taxed in Switzerland.
Health insurance for students in Switzerland
Who must insure, possible exemption, young-adult premiums and subsidies.
How to save on your health insurance in Switzerland
Five concrete levers to lower your LAMal premium without cutting basic cover.
The health questionnaire for supplementary insurance
Why insurers ask it, what to declare honestly, and the consequences of false statements.
Supplementary insurance for seniors in Switzerland
Why supplementaries get harder to obtain with age and how to anticipate.
Maternity insurance in Switzerland
What LAMal covers with no deductible, what supplementary adds, and why to subscribe before pregnancy.
Family supplementary insurance in Switzerland
How to organize a family's health cover: insure baby from birth, useful child supplementaries, optimize the budget.
Health insurance with a chronic illness in Switzerland
Basic LAMal is guaranteed for life, even when ill. Deductible strategy, supplementaries and pre-existing conditions.
Opening a pillar 3a online
How to open a 3a in minutes: choose bank or insurance, open online.
Pillar 3a when you're young
Starting 3a at 25 rather than 40 changes everything thanks to time.