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Your Family
Insurance Terminology GLOSSARY click here...
All about your family:
Relocate your Family in Switzerland
Sgier and Partner GmbH We help you with international employee-transfers personally, professionally, quickly and reasonably.
- Accommodation
Requirement evaluation and procurement (hotel, apartments, flats, houses)
- Relocation
Transport/removal service/ resident permit
- Information service
regarding town, country, authorities, schools, doctors etc
- Translation
All official and personal documents
- Introduction to future place of residence
Sightseeing and shopping-tours
- Departure
Help with all formalities, coordination of the entire departure process regarding property hand-over through to forwarding of mail. And all these services and many more are scheduled according to your own personal needs, so that you can count on the complete work-efficiency of a stress free employee.
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Which Insurance do you really need in Switzerland?
By Law, as soon as you become resident in Switzerland, you must subscribe a Swiss Health insurance.
The insurance is made up of two parts:
- The obligatory part “basic insurance”
- The optional part "the complementary"
- Private third-party insurance
Every school, and Land lord requires this insurance.
Private third-party insurance protects an insured person against any claims that might be made against him through legal measures in the matter of third-party liability. The insured person is covered as a private person, head of a household, dog owner, tenant of a flat, soldier, sportsman and so on. Excluded are damages caused by the insured person as the driver or user of a motor vehicle or in the context of some occupational activity..
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It is recommended that you protect yourself and your family, against potential problems after a car accident, or from your mechanic, neighbours, employers, land lords etc...
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Health Care
Our Experts can assist you with:
- Dr Carbajo and Dr S. Arslanagic Gynaenecologist in Geneva and Vaud
- Dr F. Villard general Practician at the Médical center ICC
- The Clinic for Hair, Hair-for-life
In fact man’s hair is divided into two zones.
- Dr I. BORNET graduate dietetician Swiss Red Cross and menber of the Swiss dietetician Association, formed in traditional chinese Medecine...
- Nicole Müller is graduated from ISS in Geneva "Shiatsu practician".
- Patrick Muller is your private coach, adapted to your needs in training as in nutrition
- Bobby Castillo is Native American of the Apache Nation, he was told when he was a young boy, that I am gifted with special hands.
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PC-Repair
Problem with your PC ?
We will fix these problems at your home.
Do you have problems connecting to the Internet, suspecting that your PC has a Virus or Spyware? Are you having trouble printing, scanning or transferring photos?
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Home services
Our Experts can assist you with:
Protecting your family:
Provide your children with a secure future - we can organise saving schemes for school/university fees, etc...
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- Travel assistance Insurance:
With travel assistance insurance as part of your travel gear you are ideally prepared for your vacation. If anything happens before or during your vacation you and your family are well protected with a travel assistance policy. Put together your own Assistance insurance plan to suit your needs at home and away:
- Breakdown recovery assistance (free service in Generali car insurance)
- Cancellation costs insurance
- Travel insurance
- Home Assistance Service (free service in Generali Household insurance)
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Personalised Retirement Planing:
There are many ways to provide for a retirement pension... pension schemes with an insurance 3rd Pillar , investments, property purchase...
Life insurance:
Protection for you and your family in the event of death and/or disability, It is a death-risk insurance.
If an insured person dies before the contracted term of a Life insurance the insurance company pays out an agreed capital sum. If the insured person is still alive at term, no benefit is payable.
Tax deduction:
Tax benefits resulting, for instance, from concluding a life insurance policy.
The state provides tax advantages for pension solutions that correspond to
specific legal provisions. There are differences between the privileges relating
to pillar 3a (linked insurance) and pillar 3b (non-linked insurance).
Life insurance premiums in the context of pillar 3a (linked insurance) may be entirely deducted from income provided that the maximum deduction limits (6'365.-chf/year) are not exceeded.
Life insurance premiums in the context of pillar 3b (non-linked insurance) may be deducted from income together with other insurance premiums (e.g. health plan) up to a given limit (flat-rate deduction). In Geneva you get a special tax deduction.
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Endowment insurance:
We propose as endowment insurance a choice of fund-linked life insurance, with a minimum guaranteed capital sum at the end of the contract.
Endowment insurance may be considered as the classic form of life insurance. In contrast to death-risk insurance, endowment insurance guarantees benefits not only in the event of premature death, but also where the insured person is still alive at the term of the contract. The premium financing endowment insurance comprises a part which covers the risk and costs and an appreciable part serving as a savings element. This savings part of the premium is refunded at the technical interest rate.
Understand the Swiss and the French vocabulary for your insurance
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Famille |
Family |
- Responsabilté civile de particulier
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- Health care insurance (sickness)
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- Health care insurance (accident)
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- Libération du paiement des primes
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- Assurance d'incapacité de gains
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- Prévoyance liée 3ème Pilier 3a
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- Prévoyance libre 3ème Pilier 3b
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Feel free to contact us with your queries..
Page up Translation for your vehicle insurance...
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- Private third-party insurance:
Every school, and Land lord requires this insurance.
Private third-party insurance protects an insured person against any claims that might be made against him through legal measures in the matter of third-party liability. The insured person is covered as a private person, head of a household, dog owner, tenant of a flat, soldier, sportsman and so on. Excluded are damages caused by the insured person as the driver or user of a motor vehicle or in the context of some occupational activity..
- Travel assistance insurance:
With travel assistance insurance as part of your travel gear you are ideally prepared for your vacation. If anything happens before or during your vacation you and your family are well protected with a travel assistance policy. Put together your own Assistance insurance plan to suit your needs at home and away:
- Breakdown recovery assistance (free service in Generali car insurance)
- Cancellation costs insurance
- Travel insurance
- Home Assistance Service (free service in Generali Household insurance)
Protection for you and your family in the event of death and/or disability, it is a death-risk insurance.
If an insured person dies before the contracted term of a life insurance, the insurance company pays out an agreed capital sum. If the insured person is still alive at term, no benefit is payable.
We propose as endowment insurance a choice of fund-linked life insurance, with a minimum guaranteed capital sum at the end of the contract.
Endowment insurance may be considered as the classic form of life insurance. In contrast to death-risk insurance, endowment insurance guarantees benefits not only in the event of premature death, but also where the insured person is still alive at the term of the contract. The premium financing endowment insurance comprises a part which covers the risk and costs and an appreciable part serving as a savings element. This savings part of the premium is refunded at the technical interest rate.
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The insured person is freed from the obligation to pay premiums if he/she
becomes unable to work or disabled during the term of the insurance. The
insurance company takes over the remaining premium payments corresponding to the
insured person's level of disability. The insurance will continue without change.
The insured person is the contractual partner of an insurance company. He pays premiums and obtains in return the benefits specified in the contract in event of disability. Most of the time it is a disability pension (annuitiy) or a capital sum.
The first Pillar
AVS French abbreviations for"old-age and Survivor' Insurance".
AI French abbreviations for invalidity insurance
The old-age and survivors' insurance (AVS) has been in force since 1948
though there have been several revisions to it since then. Along with the AI, the AVS constitutes the first pillar of the Swiss triple-pillar system and is designed to provide a minimum standard of living. It is compulsory for all persons living and working in Switzerland. Eligible persons receive old-age and survivors' pensions as well as allowances for helplessness and auxiliary measures. Rightful claimants are all either insured persons or their survivors. Special arrangements apply to non-Swiss nationals.
The second Pillar
LPP French abbreviations for the "Federal Law on Occupational Benefit Plans concerning Old-Age, Survivors and Invalidity".
The LPP (Federal Law on Occupational Benefit Plans concerning Old-Age,
Survivors' and Invalidity) lays out the regulations for employees' occupational
pension plans - the compulsory 2nd pillar of the triple-pillar system. The aim of these plans - in conjunction with AH/AVS and IV/AI benefits - is to enable surviving dependants, the elderly and disabled persons to maintain a standard of living as close as possible to their previous standard. All employed persons subject to AHV/AVS contributions and with a minimum income fixed by the employer are covered. The main benefits provided by the LPP are payment of old-age pensions, widows' and orphans' pensions and invalidity pensions.
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The Third Pillar
The third pillar is formed by voluntary personal pension plans. This supplements
the first and second pillars in accordance with personal needs. The third pillar
is subdivided into restricted (3a) pension plans and unrestricted (3b)
- Linked saving plans 3rd Pillar 3a:
We propose as saving plans insurance, a choice of fund-linked life insurance, with a minimum guaranteed capital sum at the end of the contract.
Linked savings plans (or restricted pension plans) are a way of saving for
retirement which provides tax privileges. They are designed to supplement
Pillars 1 and 2. Because the money saved must serve exclusively and irrevocably
as part of long-term savings, this form is described as "restricted". Due to the tax privileges inherent in such pension plans, restrictions are imposed on their conclusion, structure and disposition of claims, on the basis of legal provisions. As well as saving for retirement, provisions for death and disability may also be structured and combined in accordance with individual needs.t
- Non-linked saving plans 3rd Pillar 3b:
We propose as saving plans insurance, a choice of fund-linked life insurance, with a minimum guaranteed capital sum at the end of the contract.
Non-linked provision measures (or unrestricted pension plans) are designated as all personal pension measures taken as defined under Pillar 3b of the three-pillar system. Principal amongst them is life insurance, but they also include investments, the purchase of residential property, and so on..
We guarantee a capital at the end of the contract !!
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FamilyVehiculesYour Home Legal AdvisorSwitzerland or France
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