Services

Private
Customers

Health and accident insurance

Basic health and accident insurance is compulsory cover for all people with a fixed place of residence in Switzerland. It covers costs such as medical consultations, therapies, operations and examinations due to illness or accident. An annual excess is applied: for adults the minimum is 300.- (ordinary franchise) and the following at option, according to the client’s wishes, 500.- 1000.- 1500.- 2000.- and 2500.-). Children up to the age of 19 only have a co-payment of 10% max. 350.- per year, adults, in addition to the deductible, also have a 10% co-payment max. up to 700. – per year.

Accident insurance

Accident insurance is compulsory in basic insurance for children and adults who are not in active employment, as well as employees who work less than 8 hours a week for the same employer and self-employed workers and pensioners.

Supplementary insurance

Various therapies are covered depending on the cover taken out by the client, Example (glasses, ambulance or helicopter transport in the event of a medical emergency). Treatments: Alternative medicine (acupuncture, hypnosis, Chinese medicine and much more…, 24H/24H Assistance (search and rescue operations, Organisation and repatriation to Switzerland in the event of acute illness or accident abroad). Half-private and private option: free choice of doctor in the event of hospitalisation and private clinic.

Pension system

In Switzerland, the three-pillar principle applies 1. Pillar (AVS, AI,) 2nd pillar (occupational pension scheme), 3rd pillar (life insurance) is an extension of protection at a private level, this cover is optional, it is made up of several risk covers and at the same time constitutes a capital), there are two types of this insurance, the 3a is tax deductible and can only be taken out by employees and the self-employed. The 3b can be taken out by anyone with a fixed residence in Switzerland.

Animal insurance in case of illness or accident

Annual excess: 0.-, 300.-, 500.
Covers: Vaccinations, physiotherapy, osteopathy, medication and surgery, etc.
Also covered: Assistance and capital in the event of death.

Car insurance for individuals

Civil liability insurance

Civil liability insurance. (Compulsory for all motor vehicles).
Covers personal injury and material damage caused to third parties.

Hull insurance

This cover is optional.
Partial hull:
– Partial hull covers damage to the vehicle itself which is not the responsibility of the owner or driver. This cover includes glass breakage, theft, fire, natural damage, collision with animals and vandalism.
– The full hull has all the same coverage as the partial hull, and also covers damage to the vehicle itself in the event of a collision.

Complementary

Very important! Make sure you know what covers you can add, such as damage to the car park, personal belongings and headlight damage. You can also include bonus protection to avoid a possible bonus in the event of an accident as well as protection in the event of serious negligence.

Accident insurance

Passenger insurance. With this cover, you can protect yourself and your passengers from the financial consequences of an accident.

Legal protection for singular persons

– Legal protection of circulation;
– Private legal protection;
– Property legal protection.
This cover is lawyers insurance that defends the client in the event of litigation in various situations depending on the cover chosen by the client.

Civil liability insurance

Covers damage caused to third parties

A mishap happens quickly and you’re already faced with costly damage. Personal liability insurance is therefore one of the most important types of insurance. It protects you financially if you unintentionally cause damage to third parties. This includes personal injury and property damage, as well as financial damage and damage in the category of tipping. Only in this way is the whole family well protected everywhere.

Inventory insurance

Fire, natural damage, water and earthquakes, internal and external theft, glass breakage (ceramic glass hobs), sinks, toilets or bathtubs made of glass or ceramic, Casco ménage (covers accidental damage) to smartphones, laptops, televisions and other electronic devices and sports equipment, jewellery and valuables.

Bicycle insurance

(Damage and theft), Luggage insurance (example: suitcase does not arrive at destination).

Insurance against fire and natural damage to the property

Covers damage caused by storms and fire (compulsory in almost all cantons).

Water damage and earthquake insurance for the property

It’s optional cover, but it’s still very important.

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Contacts

Telephone: +41 32 322 76 00
Mobile: +41 79 810 13 04

info@mdscredits.ch

Contactos

Rue du Débarcadère 49 (Ländtestr.)
2503 Biel/Bienne CH

Pages

Contacts

Telephone: +41 32 322 76 00
Mobile: +41 79 810 13 04

info@mdscredits.ch

Rue du Débarcadère 49 (Ländtestr.)
2503 Biel/Bienne CH

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© All rights reserved

Design: Redbox Design