assurance courtage
How the revised Insurance Contract Act turns information, revocation, termination and claims into a reviewable contract journey.
How do these four analyses build a market view?
Each window links an official source to the entities involved, the attributes that change the decision, the evidence required and the acquisition channels to test. The sector page moves from regulatory signal to opportunity portfolio without confusing developed potential with confidential results.
Health insurance 2024: how did remuneration caps and outreach rules change acquisition?
How the Swiss rules 2024 on remuneration and unsolicited calling had reclassified the acquisition channels in health insurance.
ISA 2024: how did supervision reform change insurance intermediation?
How ISA 2024 had expanded surveillance of intermediaries and shifted trust toward status, organization, and evidence.
ICA 2022: how did the revision change the explanation of insurance contracts?
How the revision of ICA which came into force in 2022 had shifted the value towards rights, prescription and a lasting explanation.
Does your market present a comparable window?
The eligibility report dates and quantifies it, then tests whether it deserves action.
What you will be able to decide
The topic is broken down into entities, attributes, evidence, channels, costs and decision points. Institutions are cited in the text; no external resource interrupts the reading path.
Where is the next buying decision taking shape?
An insurance product may be legally sound yet fail in practice. Information arrives too late, the right of revocation is hard to find, a notice of termination falls between two systems or a claims handler works from a different version of the terms. When the revised Insurance Contract Act entered into force on 1 January 2022, it made these breaks more costly to ignore: new rights, stronger information duties, a five-year limitation period for the claims concerned and wider termination options. This is not an article-by-article summary. It follows the contract as a customer experiences it, from proposal to claim, to identify where evidence should exist and who must act. It shows how an insurer, broker or specialist provider could commission a short review, correct one priority journey and establish recurring oversight without promising that disputes will never occur. General analysis updated on 7 August 2026. It does not replace individual legal advice or the interpretation of the competent authorities or courts.
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Turn a market change into qualified demand.
For years, a health-insurance campaign could be judged by call volumes, appointments and contracts. Since 1 September 2024, that view has been inadequate. The ban on unsolicited cold calls, caps on intermediary remuneration and the requirement to prepare and sign a consultation record have shifted the centre of gravity: channel, consent, recommendation and remuneration must tell one consistent story. The change does not permit firms to sidestep the ban with an email, form or introducer. It does, however, create a concrete B2B market: audit an insurer’s or intermediary’s acquisition journey, fix breaks in the chain and establish usable evidence. This analysis explains the rules, the published remuneration levels, the role of the consultation record and how to test a review offer without prospecting individual policyholders or exploiting their concerns. General analysis updated on 7 August 2026. It does not replace legal advice or instructions from the Federal Office of Public Health or the competent authority.
4 readings · assurance courtage
Does your market present a comparable window?
The eligibility report dates and quantifies it, then tests whether it deserves action.
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