Checked tips to pay less on your insurance and your budget. No waffle, just the facts.
Tiger Club deals 🎁
Verified offers for Switzerland, for students, young people and everyone. Limited offers show a countdown and disappear by themselves when they end.
The Tiger's tips
💸Deductible 2'500: up to 1'540 CHF less in premiumsThe premium drops by up to 1'540 CHF a year compared with the 300 CHF deductible (the maximum discount allowed by law). Ideal if you rarely see a doctor.Calculate my deductible →Checked on 01.10.2026🦺Accidents: don't pay twiceDo you work at least 8 hours a week? Your employer already insures you against accidents. Remove that cover from your LAMal: your premium drops.How to do it →Checked on 01.10.2026📞Family doctor or telemedicineAgreeing to call your family doctor or a hotline first lowers the premium. Reimbursements stay the same.Compare the models →Checked on 01.10.2026🧾Premium subsidies: think about themMany young people, students and apprentices are entitled to a premium reduction without knowing it.Check my entitlement →Checked on 01.10.2026🏋️Your gym partly reimbursedMany supplementary insurers contribute to your fitness or sports membership. Check your contract, or compare.Ask for adviceChecked on 01.10.2026🏡Still living with your parents?You're often covered by their private liability, usually up to about age 25 depending on the contract. Check before paying for liability twice.Ask for adviceChecked on 01.10.2026📱Smartphone insurance: often uselessThe one offered in shops often duplicates your household insurance (theft). Check before you sign.Ask for adviceChecked on 01.10.2026🎁Insurers' youth bonusesSome insurers offer perks to their young customers. Example: la Mobilière offers 50 CHF off the GA Night to under-25s insured with them.Source: La Mobilière · checked on 01.10.2026🐷3rd pillar from your first jobEvery franc you pay in is deducted from your taxable income: less tax from this year.Simulate in 10 seconds →Checked on 01.10.2026💼First job: the checklistYour employer insures you against accidents, the pension fund kicks in from a certain salary, and your LAMal can be slimmed down.Read the guide →Checked on 01.10.2026🔑First flatHousehold and private liability insurance are often required by the landlord. Compare before signing the lease.Compare →Checked on 01.10.2026🛋️Flat shareDepending on the insurer, one household policy can cover the whole flat share if everyone is named. Otherwise, each person insures their own things.Ask for adviceChecked on 01.10.2026🏦Rent guarantee without a deposit?Guarantee insurance avoids tying up money, but you pay a premium every year that you never get back. Compare with a classic bank deposit.Ask for adviceChecked on 01.10.2026✈️Abroad, be carefulIn an emergency abroad, LAMal reimburses at most twice what the treatment would cost in Switzerland. For expensive countries, travel insurance is strongly advised.Ask for adviceChecked on 01.10.2026💳Your credit card may already insure youSome cards include travel or cancellation insurance. Check before buying a duplicate.Checked on 01.10.2026🎓Erasmus or a long stayGoing to study abroad? Your insurance depends on where you live: ask for advice before you leave.Ask for adviceChecked on 01.10.2026📅2027 premiums: +5% on averageCompare before 30 November to switch insurer on 1 January.See the figures →Checked on 01.10.2026🏦Free youth accountMost banks offer free accounts for young people and students. Compare card and withdrawal fees.Checked on 01.10.2026
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