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 commission
We earn no commission from insurers, banks or operators. Income (long term) comes from premium subscriptions or transparent independent broker partnerships.
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.