Pillar 3a is a tied private pension plan with tax advantages. It is ideal for targeted retirement savings.

Pillar 3b is a flexible private pension plan without legal restrictions, such as savings plans or life insurance.

A claim event is an occurrence where an insured benefit is requested from the insurance.

Health insurance: The co-payment is independent of the chosen deductible. After reaching the deductible, you pay a percentage of treatment costs yourself, legally limited. Other insurances: Depending on the policy, a set deductible is calculated per claim.

Overinsurance occurs when the insured value exceeds the actual value. This leads to unnecessarily high premiums without extra benefit.

Underinsurance occurs when the insured value is set too low. In a claim, the insurer covers only part of the actual loss.

The policyholder is the person who signs the insurance contract and pays the premiums.

Insurance coverage describes which risks and benefits are included in an insurance policy.

The insured value represents the actual value of an insured object or risk and forms the basis for the insurance payout.

Prenatal registration allows you to register an unborn child with a health insurer before birth, ensuring coverage from birth.

Supplementary insurance voluntarily extends basic coverage. It covers additional benefits such as alternative medicine, dental care, or hospital comfort options.

Basic health insurance is mandatory in Switzerland. It covers medically necessary services such as doctor visits, hospital stays, and medications, ensuring essential healthcare.