Question 1

Is the first consultation really free?

Accepted Answer

Yes. The first analysis meeting is free and without obligation. You leave with a clear picture of your situation, whether or not you decide to work with us.

Question 2

How does ORIZON earn its fees?

Accepted Answer

Like every insurance intermediary, we are remunerated by the partner companies when you conclude a contract through us. This does not change your premiums, and we explain it openly.

Question 3

Do you work across all of Switzerland?

Accepted Answer

Yes. Our offices are in Biel/Bienne and Neuchâtel, and we advise clients across Switzerland, in person or by video call, in French, German, Italian and English.

Question 4

Are you supervised by a regulator?

Accepted Answer

ORIZON SA is listed in FINMA's register of insurance intermediaries under number F01249561. We meet the industry's continuous training and transparency requirements.

Question 5

What is the difference between pillar 3a and 3b?

Accepted Answer

Pillar 3a is tax-deductible but tied, so the funds are in principle locked until retirement. Pillar 3b is flexible, without a ceiling, with other advantages depending on the canton. The right answer depends on your goals and your tax situation.

Question 6

How much can I pay into 3a each year?

Accepted Answer

The ceiling is set each year by the federal government, with a higher amount for self-employed people without a pension fund. We check the current figure together along with the best allocation.

Question 7

Should I open several 3a accounts?

Accepted Answer

Often, yes. Several accounts let you stagger withdrawals at retirement and reduce tax progression. We define the right structure for your canton.

Question 8

Is switching health insurer complicated?

Accepted Answer

No. For basic insurance, a cancellation letter before the end of November is enough, and the new insurer must accept you without reservation. We prepare and track the whole process for you.

Question 9

Should I keep my supplementary cover when switching?

Accepted Answer

Often, yes. Basic and supplementary insurance can sit with two different companies. Supplementary cover requires a health questionnaire, so never cancel it before the new cover is confirmed.

Question 10

I am leaving my job. What happens to my accident cover?

Accepted Answer

Employer cover ends 31 days after the right to salary ends. An interim agreement extends cover up to 6 months; after that, accident must be added back into your health insurance. We manage the transition so there is no gap.

Question 11

As a self-employed person, am I required to insure myself?

Accepted Answer

Accident insurance is optional for the self-employed, but the risk is not. Voluntary accident insurance or equivalent private cover is essential. We quantify the right solution for your activity.

Question 12

Can I choose my own lawyer?

Accepted Answer

In court proceedings or where interests conflict, the law guarantees free choice of lawyer. For advice and amicable steps, the company's legal team acts first, which resolves the majority of cases.

Question 13

Can an existing dispute be covered?

Accepted Answer

No. Only disputes arising after subscription (and after any waiting period) are covered. Which is precisely why you insure before you need it.

Question 14

Is personal liability mandatory?

Accepted Answer

Legally no, with a few cantonal exceptions. In practice it is indispensable. A single water damage in a neighbour's flat can cost tens of thousands of francs, and landlords almost always require it at lease signing.

Question 15

Sharing a flat, one policy each or one shared?

Accepted Answer

Both are possible. A shared policy is often cheaper, provided all flatmates are declared. We check the wording so nobody ends up uncovered.

Question 16

My employer has collective cover. Am I safe?

Accepted Answer

Partly. Collective insurance typically covers 80% of salary for 720 days, but it ends with the employment contract and does not treat everyone equally. We check your certificate and complete it where needed.

Question 17

And after the 720 days?

Accepted Answer

That is the real question. Then come state and occupational disability pensions, clearly below the last salary. That long-term gap is what private disability pensions close, at a modest cost if you start early.

Question 18

Fixed rate or SARON?

Accepted Answer

Fixed buys peace of mind, SARON follows the market with a historically lower average cost but fluctuations. The right answer depends on your risk tolerance and plans. Often a combination of both balances the whole.

Question 19

My bank sent a renewal offer. Should I sign?

Accepted Answer

Never without comparing. The renewal rate offered by default is rarely the market's best. Putting your file back in competition six months before maturity almost always improves the conditions, at your bank or elsewhere.

Question 20

How do you set the sale price?

Accepted Answer

Through a hedonic and comparative analysis of the local market, corrected by our knowledge of the field. A fair price attracts serious offers within weeks; an inflated one scares buyers away and then forces a discount.

Question 21

What if the buyer does not get the loan?

Accepted Answer

That is the scenario we neutralise upfront, with solvency checks before negotiation and, where needed, by arranging the buyer's financing ourselves. The sale does not collapse at the last minute.

Your questions, our answers.