Immediate attention
Mandatory liability insurance
Often part of household contents insurance, as well as car insurance. It is also available as a single stand-alone cover — but it is cheaper when combined.
Bernese Consulting Services GmbH · Switzerland
Swiss finance and insurance, made understandable for expats.
Pensions, Pillar 3, mortgages, investments and insurance — arranged by a FINMA-registered adviser who explains the Swiss system in plain English before recommending anything. Acting as a tied local intermediary to Generali Switzerland and Zurich Insurance Ltd.
- FINMA ID 100-023-833
- ARIF 3388
- FINSOM A21-000462
- VBV qualified
New in Switzerland?
days to get your compulsory insurance in place.
Two covers are not optional, and both are time-bound. This is the first thing BCS puts right for arriving clients.
Immediate attention
Mandatory medical insurance
You must register within three months of cantonal registration. Cover is backdated to your arrival date, and all premiums for that period must be paid.
Miss it and the canton can assign you an option — often more expensive — plus possible surcharges.
What we do
Five areas, one coherent plan.
Most expats hold pieces of a Swiss financial plan without ever seeing the whole. We start with what you already have.
Why BCS
An adviser who has done the paperwork himself.
BCS was founded by Oloff van Vuuren in 2015, specialising in the expat market. Twenty-four years in finance, insurance and trusts — and a VBV insurance specialist qualification taken specifically for the Swiss market — mean the analysis you receive is documented, not improvised.
With close working ties to South Africa and a large South African client base, BCS also assists with cross-border finances and tax migration.
2015
Founded
Serving expats since
24 yrs
Experience
Finance, insurance, trusts
150+
Mortgage providers
Compared on every application
3
Pillars
Mapped before we advise
- Plain English first. The Swiss system explained before any product is mentioned.
- A documented analysis. Cover limits, fine print and gaps, in writing.
- Cross-border aware. Particular strength with South African clients.
Regulated & registered
Credentials you can check.
BCS operates as a tied local intermediary to Generali Switzerland and Zurich Insurance Ltd, under the supervision and registers set out below.
- FINMA — VBV insurance professional
- ID 100-023-833
- Acting as a tied local intermediary to Generali Switzerland and Zurich Insurance Ltd.
- FINMA client advisor register
- International insurance, collective investment schemes
- Registered client advisor for international insurance and collective investment schemes.
- ARIF membership
- No. 3388
- For the Financial Services Act (FinSA) and the Financial Institutions Act (FinIA).
- Financial ombudsman — FINSOM
- ID A21-000462
- Registered with the Swiss financial ombudsman service FINSOM.
- Anti-money-laundering auditors
- Mazars SA
- Independent AML audit carried out by Mazars SA.
Book a consultation
Let's make your Swiss finances make sense.
A first conversation is free and without obligation. Tell us what you have in place, and we will tell you plainly what is missing, what it costs and what it is worth.