Don't overpay for your Swiss health insurance.
Optimize your Basic Coverage.
Bernie, your smart Co-Pilot in the Swiss insurance jungle.
Hybrid Expertise: AI precision met with certified Swiss experts.
Estimates based on official 2026 tariffs.
90% of new residents pay too much.
Don't be one of them.
The 90-Day
Deadline
You have 3 months to register for mandatory Basic Insurance. Miss this deadline, and the state will assign a costly one for you. Bernie secures your status from Day 1.
Strictly
Essential
Bernie filters out the noise. We isolate the cheapest 2026 Basic Insurance and only the truly useful add-ons (Dental, Travel).
Certified
Validation
Swiss precision met with human care. Every single audit is double-checked by a certified insurance expert before delivery.
Free Audit – Answer in 15 mins by Bernie.
Ready for your audit?
Bernie helps you optimize your premiums in 2 minutes.
Where do you live?
Your canton determines the base price.
Who to insure?
Add your household members.
Audit Customization
Identify specific needs for each member.
Analysis Complete
Receive your comparison by email.
Analysis Finished!
Bernie has validated your file. A Bernix advisor will contact you within 24h with your saving proposals.
Your 2026 Application: Zero Error, Zero Stress.
Bernie doesn't just compare prices. He prepares your entire admission file from A to Z — bypassing the language barrier.
The Market Scan
Our algorithm scans the entire Swiss market (Basic & Supplemental). It filters out the non-compliant options for expats and isolates the lowest legal premium for your canton.
Ready-to-Sign Paperwork
We generate all official documents for the chosen insurer. You receive a clean PDF dossier by email. Sign it digitally, and you are insured. No German/French calls needed.
They secured their Swiss permit with Bernie.
See how the precision audit helped expats navigate the system.
The Challenge
"I was completely lost with terms like 'Franchise' and 'Selbstbehalt'. I was about to sign a very expensive contract just to be safe."
The Outcome
Bernie explained the logic in plain English. I chose the right deductible and saved 1'200 CHF on my first year.
The Challenge
"Health costs here are a shock compared to our previous employer plan. We needed to cover 2 adults and 2 kids without going broke."
The Outcome
A tailored mix of insurers. We got the mandatory coverage + dental for the kids, while keeping the budget under control.
The Challenge
"I needed the insurance certificate ASAP for my residence permit. I didn't want to meet an agent or deal with paper mail."
The Outcome
Fast and 100% digital. I received the compliant PDF attestation within 24 hours. Municipality accepted it immediately.
Common Questions from Expats
Bernie's Answers.
Clear answers to the most searched questions on Google.
Does my employer pay for my health insurance? +
No. Unlike in the US, UK, or Germany, health insurance in Switzerland is a private obligation. It is not deducted from your salary, and employers rarely contribute. You must choose and pay for your own insurer (Lamal/KVG).
Is dental care covered by the basic insurance? +
No. Basic insurance covers doctors, hospitals, and medicine, but NOT dental care (except for serious mouth diseases). For routine checkups and cavities, you need a Supplemental Insurance (LCA), which Bernix can help you find.
When is the deadline to sign up? +
90 Days. You have exactly 3 months from your arrival date (or birth date for babies) to register. Note that coverage is retroactive: even if you sign up on day 89, you will have to pay the premiums for the first 3 months.
What does "Franchise" mean? +
It means "Deductible". It's the amount you pay out-of-pocket per year before insurance kicks in.
Bernie's Rule: Choose the highest deductible (2,500 CHF) if you are healthy to save ~40% on monthly premiums.
Will I receive documents in English? +
Swiss insurers legally send contracts in German, French, or Italian. However, Bernix provides English guidance and prepares your file so you know exactly what you are signing without needing a translator.
Am I covered if I travel back home? +
Only for emergencies. Basic insurance covers emergency treatment worldwide (up to double the Swiss cost). For planned visits or better comfort abroad, you need a specific Travel Add-on (Supplemental Insurance).