Insurance

Assurances

Our options

Loan insurance

Mortgage insurance is compulsory and covers : death, complete and irrevocable loss of independence, temporary or permanent disability. The type of coverage that you choose will depend on your individual circumstances and risk preferences.

3rd Pillar private pension plan

The pension system in Switzerland is based on a principle of 3 pillars. The first two pillars are mandatory (public (AVS) and professional (LPP)), the 3rd one is an optional private pension plan into which anyone can contribute by saving a set amount of their income for retirement.
There are two types of 3rd pillars :

  • 3rd pillar A (a restricted pension fund)
  • 3rd pillar B (free/unrestricted pension plan).

The main benefit of the 3rd pillar is a tax deduction. The tax benefit received depends on your choice of annual contribution.

Health insurance

In terms of social insurance benefits, the EU regulation provides that any person must be covered in only one country normally that in which they work. An exemption was granted for border-citizens for health insurance options under bilateral agreements until 31.05.2014.

There are now new regulations being implemented. Prêt Immo conseils can offer comprehensive health insurance packages and help you to get a clear and objective view concerning CMU, Lamal and private insurance options.

For this purpose, a study in direct comparison with eight leading insurance companies has been carried out by Prêt Immo Conseils. Please feel free to ask us for information based on private health offerings (i.e. "mutuelle") in France and related to a coverage rate of 200% for border citizens, whether they are employed or self-employed.


Legal frameworks

Pursuant to the Ministerial Decree of 26.01.2012, insurance and banking intermediaries (including mortgage brokers) that also work in France have the obligation to register with ORIAS Register (For information : www.orias.fr). In order to register, brokers must satisfy the requisite conditions for acting as intermediaries and they must comply with the applicable laws and regulations.

The registration, which is renewable annually, is a guarantee for clients related to professional integrity and competence as well as professional liability policy and financial guarantee. Prêt Immo Conseils is certified for the year 2017/2018, and is able to propose global and complete insurance offerings.