Intermediary information

Who acts as intermediary

Untied

FinanceRock GmbH is an untied insurance intermediary (Art. 40 para. 1 ISA). It has a fiduciary relationship with you as the client, not with an insurer. It is entered in FINMA’s register of insurance intermediaries: No. F01496799, since 10.11.2025 (Art. 41 and 42 ISA).

No insurer may hold more than 10 % of an untied intermediary, and there are no agreements binding us to particular insurers (Art. 182c of the Insurance Supervision Ordinance, ISO).

Classes of insurance

According to the FINMA register: including supplementary health insurance (the complete list will be added).

For basic health insurance under the Federal Health Insurance Act (HIA, German KVG), we compare all health insurers. Basic health insurance is supervised by the FOPH; intermediation there is governed by the rules of the Health Insurance Supervision Act (KVAG).

Training

Advisers meet the minimum standards for the initial and continuing training of insurance intermediaries (Art. 43 ISA, Art. 190 ISO; industry standard of VBV, the Swiss insurance industry’s vocational training association).

Proof: to be added

Liability

FinanceRock GmbH is liable for errors, negligence or incorrect information in connection with the intermediation (Art. 45 para. 1 let. d ISA). It has taken out the professional liability insurance required by law (at least CHF 2 million, Art. 189 ISO).

Professional liability insurance: to be added

Remuneration

If you take out a policy through FinanceRock, the insurer pays a fee: at most CHF 70 per person for basic health insurance, at most 16 monthly premiums for supplementary insurance. The advice is free for you; the ranking in the comparison is never influenced by it.

The type and amount of remuneration are set out in detail in the Disclosure (Art. 45b ISA).

Processing of your data

For advice, FinanceRock GmbH processes the information from your request: your concern, municipality, years of birth, contact details and the documents you send yourself. The purpose is advice and, at your request, the intermediation of a contract.

Recipients are the insurers from whom you want a quote or to whom you want to apply, and only with your express consent for each insurer. You provide health information directly to the insurer. Everything else is set out in the Privacy policy.

Record of advice

For every advisory session, FinanceRock GmbH prepares a record with the date, the persons involved and confirmation that the contact did not result from cold calling (industry agreement, Annex 2 to the Health Insurance Supervision Ordinance, KVAV, or Annex 7 to the ISO). You receive a copy.

Complaints and ombudsman

• First to us: to be added
• Ombudsman: to be added

In disputes with a health insurer, the Office of the health insurance ombudsperson can also help (om-kv.ch, in German, French and Italian).