Andrade Finance
Sources and background
Find the official sources behind our information, organised by topic. Calculators provide simplified guidance; personal circumstances and binding documents are reviewed during the consultation.
Data behind the health insurance comparison
Data used: approved basic insurance premiums for 2027, published on 29 September 2026. Premium regions, age group, deductible, accident cover and local model availability are considered. Gross premiums exclude conditional family discounts; subsidies are reviewed separately.
Sources by page
How affordable is your new home?
Arrive in Switzerland or move on with a clear financial plan.
Swiss tax returns with clear prices.
Car insurance that fits your everyday life
Death and disability: protecting your household
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- BSV · Disability: benefits for illness and accidents
- AHV/IV Information Centre · Disability pensions and the distinction between incapacity for work and loss of earning capacity
- BSV · Survivors' benefits in occupational pensions
- BSV · Additional beneficiaries under pension fund regulations
- BAG · Daily sickness benefits and continued salary (Federal Council report, August 2026)
- Zurich · Term life insurance (contract example)
- AXA · Income protection insurance (contract example)
- FINMA · Court decision on answers to health questions
- FINMA · Information duty and compensation disclosure
Compare health insurance with confidence
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- FOPH: Changing health insurer, fact sheet dated 29 September 2026
- FOPH: Premiums and cost sharing
- FOPH: Benefits and tariffs
- FOPH: Premium costs and insurance models
- FINMA: Reviewing supplementary health insurance
- Priminfo: Questions about basic and supplementary insurance
- FOPH: Differentiated co-payments for medicines
- Priminfo: Official premium comparison
Legal protection for the situations that affect you
Choose suitable liability and contents cover
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- Canton of Zurich: Contents and personal liability insurance
- ECA Vaud: Home insurance and cantonal requirements
- NSV Nidwalden: Mandatory contents insurance
- Swiss Insurance Association: Nonbinding model conditions for contents insurance
- Zurich Switzerland: Contents and new replacement value
- Zurich Switzerland: Personal liability and tenant damage
- FINMA: Insurance questions and problems
- ECA Vaud: Inventory and insurance protection
How large might your pension gap be?
AHV after moving to Switzerland: how to check contribution gaps
SME bookkeeping: what can you delegate, and what must you oversee?
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- SME portal: accounting obligations
- SME portal: what type of accounting to use
- SME portal: organising accounts
- SME portal: compulsory and recommended insurance
- SME portal: occupational and non-occupational accident insurance
- FSIO: retirement provision under occupational pensions
- FTA: VAT questions and answers
- SME portal: Swissdec-certified accounting
Buying a home with a B permit: check purchase rights and financing separately
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- Federal Office of Justice: property acquisition by persons abroad
- Federal Office of Justice: questions and answers on Lex Koller
- Canton of Zurich: property acquisition by persons abroad
- Federal Office of Justice: 2026 legislative consultation
- FINMA: mortgage financing and self-regulation
- Federal Department of Finance: imputed-rental-value reform from 2029
New job, children or self-employment: when to update your financial plan
Financial planning: what remains after pay and fixed costs?
First Zurich tax return after moving: which documents do you need?
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- Canton of Zurich: personal tax returns and 2026 guidance
- Canton of Zurich: tax periods after an international move
- Canton of Zurich: information for persons taxed at source, 2026
- Federal Tax Administration: pillar 3a maximum deductions for 2026
- Federal Department of Finance: imputed-rental-value reform from 2029
Choosing Swiss health insurance: compare premium, deductible and model
Buying a home in Switzerland: test affordability before you search
Insurance review: which policies provide useful protection?
Pillar 3a or pension fund buy-in: what should you check first?
Relocation from Switzerland: what happens to pension fund and AHV rights?
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- FDFA: emigrating from Switzerland
- FDFA: retirement abroad
- FDFA: emigration preparation checklist
- Occupational Pension Guarantee Fund: cash withdrawal after departure
- AHV/IV: what to do when leaving Switzerland
- AHV/IV: request an individual account statement
- FTA: withholding tax on pension benefits paid abroad
- FTA: subsequent ordinary tax assessment
- ch.ch: taxation of real estate
Relocation to Switzerland: the financial steps after arrival
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- SEM: free movement of persons FAQ
- SEM: working in Switzerland
- BAZG: relocation goods FAQ
- FOPH: compulsory health insurance for Swiss residents
- FOPH: official Priminfo premium comparison
- FSIO: retirement provision under occupational pensions
- AHV/IV: request an individual account statement
- SME portal: occupational and non-occupational accident insurance
- FTA: subsequent ordinary tax assessment
- ch.ch: taxation of real estate
Sole proprietorship or GmbH: which structure fits your business?
Tax deductions: plan pillar 3a, work expenses and family costs
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- Federal Tax Administration: pillar 3a maximum deductions for 2026
- Federal Tax Administration: circular 18a on pillar 3a purchases
- Canton of Zurich: 2026 guidance and professional expenses
- Canton of Zurich: tax information for individuals
- Federal Tax Administration: circular 11a on illness and accident costs
Calculators: 2026 tax data and survivor benefits
The 3a calculator uses FTA tariffs and multipliers for 2,110 municipalities, checked on 3 October 2026. The model covers income tax without children, church or wealth tax. The survivor estimate uses OASI and occupational-pension rules with transparent assumptions.