Health Insurance I Personal Insurance I Mortgage I Tax Optimization :
Charles Insurances
GEA Organisation
Rue du Pré-Jérôme 20 CH
1205 Genève, Switzerland
T. +41 78 601 40 90
We will help you with:
LAMal PLANS – IMPROVED LCA PLANS – MATERNITY & NEWBORNS – ACCIDENT INSURANCE
The Swiss healthcare system is structured around a compulsory public State plan whose legal base is the LAMal (Loi sur l’Assurance Maladie) and multiple private improved plans whose legal base is the LCA (Loi sur le Contrat d’Assurance). These are commonly respectively referred to as LAMal and LCA plans. For those that are employed more than eight hours per week by the same employer their accident protection will be transferred from the LAMal plan to a plan whose legal base is the LAA (Loi sur l’Assurance Accident), this plan is included in the work contract and partially financed by the employer. The LAMal and LCA plans are financed by the tax payer.
LIABILITY – BELONGINGS – VALUABLE ITEMS – BUILDINGS – LEGAL – CAR – ASSISTANCE – RENTAL GUARANTEE – LIFE INSURANCE
Depending on one’s situation there are 5 or 6 obligatory personal or family insurances in Switzerland.
These include liability, belongings, building, car, health and accident insurance. To avoid a bad experience valuable items and legal insurance are also highly recommended. Life insurance is an extremely interesting tax and savings tool, so it should also be seriously considered. Speaking to Charles will help you to avoid missing out on any of the above and understanding what is important, when and why.
THE THREE PILLARS – THE THIRD PILLAR, YOUR PERSONAL FINANCIAL SECURITY – 3A & 3B PILLAR BENEFITS – ADVANTAGES
The Swiss retirement system is pragmatically structured to provide families with a framework to build and maintain financial security. This is achieved through a coordinated effort between three parties: the State, the employer, the individual. Each of these parties is represented by a pillar, the system has therefore become known as the three-pillar retirement scheme.
