Beyond mandatory social coverage, it is essential, as an independent, executive, or manager, to supplement your protection with private insurance tailored to your personal and financial situation. These insurances help you face unforeseen events (illness, disability, death), plan your retirement, or protect your loved ones.
Hevea Invest assists you in choosing, optimizing, and managing your private coverage, in collaboration with recognized Swiss insurers independent of any commercial interest.
Coverage for expenses not covered by LAMal (private room, alternative medicine, care abroad)
Advice on the quality/price ratio of different insurers
Semi-private or private hospitalization coverage
Death or disability coverage in case of accident or illness
Estate planning and family protection
3rd pillar A (tied) and 3rd pillar B (free) solutions
Compensation for loss of income in case of prolonged inability to work
Daily allowances in case of illness or accident not covered by LAA
Coverage of legal fees in case of disputes (family, neighborhood, contract, traffic)
Enhanced protection for executives or self-employed individuals exposed to specific risks
Self-employed and liberal professions
Company directors or partners
Individuals not covered by an employer
Swiss residents wishing to supplement their LAMal coverage
Get personalized advice to choose private insurance tailored to your situation. Our experts provide independent support.
The basic insurance (LAMal) covers essential care according to a standard rate. The supplementary insurance allows for additional benefits: private ward hospitalization, alternative treatments, expenses abroad, etc.
The basic insurance (LAMal) covers essential care according to a standard rate. The supplementary insurance allows for additional benefits: private ward hospitalization, alternative treatments, expenses abroad, etc.
No, it is not mandatory. However, it is highly recommended for freelancers or individuals without LPP, to ensure coverage in case of death, disability, or to build a supplementary pension.
Contributions to the 3rd pillar A are tax-deductible up to a legal limit. We advise you on the most advantageous structuring according to your status (employee or self-employed).
This depends on the type of contract. Some products have a minimum commitment period. We check the terms and conditions for you before any subscription or cancellation.
They vary according to age, health status, chosen coverage, and the insurer. It is important to regularly compare offers. We monitor this for you.
Make an appointment with one of our advisors for a free and personalized analysis of your private insurance situation.
