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VBV/AFA Certified
Insurance advice you can trust
As a VBV/AFA-certified and Cicero-accredited advisor, I find the right insurance solutions for you — transparent, independent and tailored to your life situation.
Feeling overwhelmed?
The Swiss insurance system is complex
Especially for expats and newcomers, the Swiss insurance market is difficult to navigate.
Inadequate coverage
Many people in Switzerland are not optimally insured — or are paying for coverage they don't need.
3rd pillar — underused or misunderstood
The 3rd pillar is Switzerland's most powerful tax-saving tool — yet it's often ignored or misused by expats.
Missing disability coverage
Disability is the most underestimated risk. State disability benefits rarely cover actual living costs.
What we do for you
Comprehensive, independent insurance advisory
As a certified, independent broker, I compare offers from multiple insurers and find the solution that truly fits your situation.
Book an insurance consultation- Analysis of your current insurance situation
- 3rd pillar (pillar 3a and 3b) — tax optimisation and retirement savings
- Life insurance and death benefit coverage
- Disability insurance (inability to work)
- Accident insurance and daily sickness allowance
- Household and personal liability insurance
How we work
Insurance advisory in four steps
Transparent, independent and personalised to your needs.
01
Analysis
We review your existing insurance and identify gaps and overlapping coverage.
02
Needs assessment
We determine your actual protection needs based on your life and family situation.
03
Comparison
We compare offers from multiple insurers and recommend the best solution.
04
Contract & support
We guide you through signing up and are there for you when changes or claims arise.
Why Ribeiro Consulting
Certified, independent, personal
Your interests are at the centre — not commissions.
VBV/AFA & Cicero certified
Official certification from the Swiss insurance industry association — the quality seal for Swiss insurance advisors.
Independent advice
We are not tied to any insurer and objectively compare all relevant providers on your behalf.
Multilingual & empathetic
Advisory in English, German, Portuguese and French — clear, understandable and without technical jargon.
Common questions
Insurance in Switzerland: your questions answered
The most important questions about insurance in Switzerland.
The 3rd pillar (pillar 3a) is voluntary private retirement savings in Switzerland. You can contribute up to CHF 7,056 per year (employees) or CHF 35,280 (self-employed) and deduct this from your taxable income. A significant tax saving.
Yes. Everyone resident in Switzerland must take out basic health insurance (KVG/LAMal) — typically within 3 months of arrival. We help you find the right insurer at the best price.
Pillar 3a is tied (tax-deductible, but capital is locked until retirement). Pillar 3b is freely accessible but offers no tax advantages. We recommend the optimal combination for your situation.
No. As an independent broker, I am not tied to any insurance company. I objectively compare offers from multiple providers and recommend the best solution for you.
Optimally protected
Are you really well insured?
Many people in Switzerland are under- or over-insured. Get a free, no-obligation review of your insurance situation.