Aswell

What Aswell is

Aswell is an independent insurance broker and consulting firm based in Geneva, Switzerland, specializing in helping people navigate multiple types of insurance within the Swiss market. The company distinguishes itself as a broker rather than an insurance company, meaning it does not sell its own branded policies but instead compares offerings from multiple insurers and recommends the plans that best fit each client's situation. This independence is a selling point, since you get advice from someone without a financial incentive to push one company's products over another.

The company operates in two languages, English and French, both prominently displayed on its website and phone line. This bilingual capability is significant for someone relocating from an English-speaking country, or for a spouse who handles financial decisions in English while the other partner manages French-language administrative tasks. For a household where English is the primary language, having a broker who can conduct the entire consultation in English eliminates a communication barrier that many international relocations face.

Free consultation and switching support

Aswell's central service is its free advisory process. The website states clearly that "Aswell advices your free of charge on the best insurance offers on the market and help you through your switch process." This means you can contact the firm to request a comparison of health insurance plans without paying a fee for the consultation, and Aswell will also manage the paperwork of switching from your previous insurer to a new one.

For someone newly arrived in Switzerland, this free guidance addresses a real pain point: Swiss health insurance options are numerous, terminology can be confusing even in your native language, and choosing wrong can mean paying higher premiums than necessary or discovering you lack coverage you needed. A broker who handles the switching paperwork also removes the administrative friction that can trap someone in a more expensive plan simply because the cancellation and re-enrollment process feels daunting.

The firm publishes a calculator and comparison tool on its website, allowing you to see estimated premiums under different scenarios before committing to a consultation. The calculator presents costs for different age groups and family structures, showing four variants: individuals aged 0 to 18, 19 to 25, 26 and above, and families with two adults and two children. Each age group shows costs for two plan variants (A and B) and multiple insurance scenarios, a helpful way to ballpark what annual premiums might run before you speak with an advisor.

Specific insurance products and pricing

Aswell's website lists 2026 premium estimates for standard scenarios. For a single individual aged 26 and above, basic healthcare options start at 442.10 CHF per month under the lower-cost Variant A. A family structure of two adults and two children shows monthly costs starting at 1058.00 CHF for Variant A, increasing to 1454.90 CHF for Variant B.

The firm also advertises an "Exclusive Healthcare" offering: a combination of complementary and supplementary health insurance that includes private clinic access and what the site describes as "smooth practice." This plan's cost for a single person starts at 360.20 CHF per month. For a family of two adults and two children, the same Exclusive Healthcare product starts at 1629.20 CHF per month.

Aswell also serves a niche market: cross-border commuters and international students. For students and PhD holders, the site shows estimated premiums beginning at 98.40 CHF per month under Variant A. Cross-border commuters, people who live in Switzerland but work across a nearby border, have their own pricing, with Exclusive Healthcare starting at 270.10 CHF per month.

Scope of services beyond health insurance

While health insurance is the primary concern for arrivals, Aswell's broader offering includes other insurance types that a relocating household will need. The website groups its services into six categories: healthcare (the main topic), mobility (car and motorcycle insurance), housing (liability and household coverage), travel insurance (for visits from abroad or trips you take), foresight (pensions and wealth protection products), and small business or independent contractor coverage.

This breadth suggests you could consolidate several insurance decisions with one advisor, rather than hunting for separate brokers for car insurance, apartment contents, and travel coverage. However, the website does not go into detail on pricing, terms, or unique offerings in those areas, they appear to be secondary to the health insurance focus.

What Aswell's pages do not settle

The broker does not publish details on underwriting criteria, waiting periods, or whether pre-existing conditions are covered. These are critical questions for someone arriving with a chronic illness or an ongoing prescription, and the calculator does not ask for medical history, meaning any quote generated is provisional.

The process timeline is also undefined. The site says Aswell will help you "through your switch process" but does not specify how long enrollment takes, whether coverage can begin before the current Swiss mandatory period (the three-month grace period after arrival) expires, or what documentation you must provide.

The languages available for ongoing support are also unclear. While the website exists in English and French, it is not stated whether policy documents, insurance company correspondence, and customer service for questions after enrollment will reach you in English or only in French. This matters because Swiss insurance companies vary in their language policies.

Who Aswell suits and who doesn't

Aswell is an excellent fit if you are based in or near Geneva, speak English or French comfortably, and want a straightforward broker relationship without pressure to sign up immediately. The independent broker model works especially well if you have complex needs, for instance, if you are bringing dependents, have pre-existing conditions, or need to coordinate health and mobility insurance in a single conversation.

The firm is less suitable if you live far from Geneva and prefer face-to-face meetings to phone consultations. Aswell lists only one physical address (11, rue Cornavin in Geneva), so on-site visits are geographically limited. Additionally, if you need multilingual support beyond English and French, for instance, Spanish or German, you would need to seek another broker. Finally, if you want to move quickly and prefer to browse and choose insurance independently before speaking with anyone, the free consultation model requires a conversation, which some people find intrusive.