Nicole Bohne
Nicole Bohne has worked in insurance and pensions for 10 years, including at Basler and Zurich. She specialises in pensions (pillar 3a, risk cover, tax) and in the insurance questions that come with moving to Switzerland. FINMA-registered intermediary (F01536402); she advises in German, English and French.
Specializations
- Swiss health insurance (KVG / VVG)
- Supplementary insurance Switzerland
- Säule 3a pension planning
- Swiss pension system (AHV, BVG, 3a)
- Insurance when immigrating to Switzerland
- Insurance for expats and new arrivals
Articles by Nicole Bohne
Glasses, physio, alternative medicine: what basic insurance pays
Physiotherapy, glasses, acupuncture, homeopathy, osteopathy: what Swiss basic health insurance (KVG) pays and when you need supplementary insurance.
vorsorgeDaily sickness allowance in Switzerland, explained
Daily sickness allowance is voluntary in Switzerland: what applies without an employer policy, KVG vs VVG, waiting periods and options for the self-employed.
sachversicherungInsurance for homeowners in Switzerland: what you need
Building insurance mostly covers fire and natural hazards. Which policies Swiss homeowners add: contents, owner's liability, water damage and term life cover.
ratgeberTravel insurance in Switzerland: do you need it?
What Swiss basic insurance pays abroad, what it never pays (a cancelled trip), and when travel and cancellation insurance is worth it: costs, limits, claims.
vorsorgeUsing Pillar 3a to buy a home in Switzerland: rules and downsides
When you can withdraw or pledge Pillar 3a savings for your own home, how often, how the withdrawal is taxed and what it costs your retirement savings.
grundversicherungAccident Insurance in Switzerland (UVG): What's Covered?
Understand how Swiss accident insurance works: what your employer covers, what you need privately, and how it interacts with your health insurance.
vergleichBest Health Insurance in Switzerland for Expats (2027)
Living in Switzerland? Seven major health insurers ranked for expats with the official 2027 premiums, English support and satisfaction scores. Free FINMA-registered advice.
vergleichInsurance Advisers for Expats in Switzerland (2026): a compared list
A compared list of insurance advisers serving English-speaking expats in Switzerland — health insurance, pension and tax. Two entries are not independent of this site.
Rather talk to someone who knows every insurer?
Robert Kolar (25 years in health insurance) and Nicole Bohne (10 years in pensions and relocation), independent and FINMA-registered. 45 minutes by video, free and without obligation.
