Our services

Novartis provides its associates with an independent and free consulting service for insurance matters, Novartis Insurance Services. Together with an independent provider, we select the insurer that can offer you optimum insurance cover at advantageous conditions. We look after the negotiated collective agreements and constantly review the quality of the insurers.

Independent consultation covers the following areas of insurance

Health insurance (treatment costs)

Compulsory basic insurance that can be combined with optional top-up insurance plans.

Basic health insurance is compulsory.

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Private liability

Insurance cover for personal injury and property damage for which you are or can be held responsible.

Not compulsory, but highly recommended.

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Insurance cover for the contents of your home.

Not compulsory, but highly recommended.

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Motor vehicle

Insurance cover for third-party liability and comprehensive cover.

Mandatory as soon as you buy a car or bring one into the country from abroad.

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Life insurance

Risk protection, Home ownership promotion, mortgage insurance.

According to individual needs.

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Advantageous conditions

You, your family, or your partner can benefit from advantageous conditions in a wide variety of insurance plans. Please don’t hesitate to request an offer from us – no strings attached.


Our consulting is provided according to objective criteria, based on the information provided by associates. Responsibility for the final decision on whether or not to conclude an insurance agreement lies exclusively with the associates themselves.