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Free comparison by FinanceRock GmbH. We are not a health insurer and sort by price, never by commission. Disclosure →

Independent comparison
not a health insurer
Compare premiums
Disclosure

How we earn money – and why your result does not depend on it.

This page shows when we earn money, how much at most and what that changes about your result: nothing.

This page is a translation; the German version is authoritative. Original version: Deutsch

Three promises

What always applies in the comparison

  1. Sorted by price, never by remuneration

    The premium calculator sorts by premium, total costs or alphabetically, the supplementary insurance comparisons by documented cover. Remuneration does not exist in our data, so it cannot influence any ranking.

    How we calculate

  2. Results without contact details

    You see every result without giving your name, e-mail address or phone number. No form stands between you and the comparison.

    Compare premiums

  3. Contact only if you want it

    We only get in touch if you request advice, and only through the channel and in the time slot you choose. No cold calling, no selling of your address.

    Privacy policy
Mandatory information

Who is behind the platform

Operator
FinanceRock GmbH
Registered office
Sinserstrasse 67, 6330 Cham
UID
CHE-142.042.105
Status
untied insurance intermediary
FINMA register
F01496799

die-krankenkasse.ch is not a health insurer and is not owned by any health insurer.

Intermediary information under Art. 45 ISA

Business model

The comparison is free for you. FinanceRock GmbH only earns money if you take advice from it and sign a contract as a result; the insurer then pays a commission. Comparing premiums, reading guides, using a tool, saving calculations in your account or switching yourself with the cancellation letter earns us nothing. Every result row shows the question “Do we earn anything here?” with an honest answer.

Commission on a signed contract

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.
InsuranceMaximum commissionBasis
Basic insurance (KVG)CHF 70 per insured personIndustry agreement, generally binding since 01.09.2024 (KVAV Annex 2)
Supplementary insurance (VVG)16 net monthly premiums per contractIndustry agreement, generally binding since 01.09.2024 (AVO Annex 7)

If you cancel within one year, the intermediary must repay the commission in full; in the second year at least half. On request, we tell you the exact rates per insurer before any advice (Art. 45b VAG).

Independence

  • No paid placements and no hidden insurers. The calculator shows all insurers and models in your region, including those on which we earn nothing.
  • No exclusive contracts. FinanceRock GmbH is not tied to any insurer (Art. 182c AVO).
  • No insurer shareholdings. The law prohibits independent intermediaries from having an insurer stake of more than 10 %; no insurer holds a stake in FinanceRock GmbH.
  • No insurer advertising and no sponsored content.

Requests and advertising

There is no cold calling, not even through partners. For every request we log its origin (page, time, consent), as the industry agreement requires. FinanceRock GmbH runs ads on Google; how we measure their success without tracking you is described in the privacy policy.

Questions and criticism

Does something not match this disclosure? Write to us at info@financerock.ch. How we calculate and sort is described in the methodology.

As of: