In 2025, approximately 0.4 million insured individuals in Switzerland could save 40% or more on their health insurance premiums. According to an analysis by Comparis, the maximum potential savings exceed **CHF 3,500 per year**. Health insurance is mandatory in Switzerland and represents a significant expense for families. The rise in premiums in recent years has made it even more important to find ways to control costs. **Comparis.ch** is a leading platform in Switzerland for comparing health insurance options. One concrete way to reduce costs is by choosing alternative insurance models such as **HMO, family doctor, or Telmed**, which can offer **premiums up to 25% lower** than the standard model. These models limit the choice of the **first point of contact** for medical care but, in return, provide significant financial savings. Another strategy for lowering premiums is increasing the deductible. By opting for the **maximum deductible**, adults can save up to **CHF 1,540 per year**. The deductible is the amount policyholders must pay out-of-pocket before the insurance starts covering expenses. A higher deductible results in a lower monthly premium. Since **basic health insurance benefits are identical across all insurers**, switching providers can lead to significant savings. Comparing different offers is crucial, and a **broker can simplify this process**, which is often complex for individual consumers. Additionally, those working **at least eight hours per week for the same employer** can exclude **accident coverage** from their health insurance, reducing premiums by up to **10%**. In Switzerland, employee accident insurance is generally covered by the employer. The substantial **savings opportunity—up to CHF 3,500**—in the context of rising healthcare costs highlights how **insurance brokers can play a crucial role** in helping consumers optimize their expenses in this sector. The fact that nearly **half a million people** have the potential to reduce their premiums by over **40%** suggests a lack of awareness or **consumer inertia** regarding their health insurance choices. This scenario creates a **significant opportunity for brokers**, who can provide **education and assistance** in identifying the most advantageous solutions. --- ### **Optimizing Auto Insurance Costs** In the Swiss **auto insurance market**, price differences between providers can be **considerable**. A **broker can help** navigate various offers, identifying the **best policy at the most competitive price** based on the client's specific needs. **Optimizing coverage** is another key aspect of **cost reduction**. For example, for **older vehicles**, a **partial casco** policy may be sufficient instead of **full casco**, leading to **lower premiums**. Additionally, **increasing the deductible** can further reduce **annual insurance costs**. It is interesting to note that **auto insurance premiums have dropped by 22.4% since 2004**, thanks to the introduction of **direct insurers** and greater **price transparency**. Despite this long-term downward trend, the market remains complex, and **a broker's advice can still make a difference** in finding the most competitive deals. One striking statistic is that **young foreign drivers** in Switzerland **can pay up to 74% more** than Swiss citizens for auto insurance. This highlights how **specific population segments** can particularly benefit from **a broker’s expertise**, as they can **identify more suitable and cost-effective options**. Brokers also provide valuable insights on **discounts and premium-saving models** offered by different insurance companies. These discounts may be based on factors such as **driving history, vehicle safety features, or premium payment methods**. The **significant decline in auto insurance premiums over time**, despite existing **cost disparities (e.g., nationality-based differences)**, suggests that while the market has become more **transparent**, **individual circumstances and the ability to navigate options** remain crucial factors where **brokers can add substantial value**. The **expected increase in premiums in 2025**, despite the **long-term downward trend**, indicates a **potential market shift**, possibly due to **inflation and rising claims costs**. In this context, the **role of brokers in securing competitive rates** becomes even more critical for consumers. --- ### **Affordable Home Coverage** **Comparis.ch** highlights a **"great savings potential"** in comparing **household contents insurance** and **private liability insurance**. A **broker can assist** consumers in comparing different offers to find the most suitable coverage **at the best price**. In some cases, **combining household contents insurance with private liability insurance** in a **single policy** can be **more cost-effective** than purchasing two separate policies. A broker can recommend the **most economical solution** for obtaining **comprehensive coverage**. The **requirement for building insurance** (property insurance) varies by **canton**. It is **mandatory in most cantons but not all**. A broker can ensure that **property owners comply with local legal obligations** while avoiding unnecessary costs. For **household contents insurance**, homeowners can often **choose different coverage levels and deductibles**, affecting the premium amount. A broker can help **understand these options** and **find the right balance** between **cost and protection**. **Comparing multiple insurance providers** through platforms like **Comparis.ch**, often **facilitated by brokers**, helps consumers identify the most **suitable and cost-effective** options. The **home insurance market** offers **various companies** with **different pricing structures and coverage details**. The **variation in building insurance requirements across cantons** underscores the importance of **localized expertise**, which a broker can provide. Brokers ensure that **clients comply with regional legal requirements** without incurring **unnecessary expenses**. The **"great savings potential"** identified by Comparis is likely due to the fact that **many consumers do not regularly review their home insurance policies** or **compare available offers**, leading to **overpayment**. Brokers can **proactively encourage this review process** and simplify the **comparison process**, ensuring that clients get **the best value for their coverage**.