1. Data sources
Public sources (insurer sites, OFAS for LAMal, FINMA, SIX Group for SARON). Daily updates for rates, monthly otherwise.
2. Ranking criteria
Per product: price, coverage scope, caps, exclusions, customer service quality, financial solidity (AM Best/S&P ratings).
3. Transparent weighting
Health: 60% price, 25% service, 15% model. Mortgage: 80% rate/margin, 20% exit terms. Adjustable in the comparator.
4. No fees for you
You pay nothing to Polia. Our revenue comes from declared partnerships with insurers and independent FINMA-licensed brokers — none of which influence our rankings.
5. Updates & audit
Our algorithm is versioned. Every major update is documented. Found an error? Email us; we fix within 48 business hours.
6. Compliance
Polia is operated by Vanguard Advice SA as an independent comparator. Contract finalisation is handled by FINMA-registered partner brokers (Art. 41 LSA). Our display complies with LCD Art. 3.