Duty to provide information
in accordance with insurance supervision

Astrum Consulting GmbH
Bahnhofplatz 1
5400 Baden

Handeys GmbH
Bahnhofplatz 1
5400 Baden

Duty to provide information
in accordance with Article 45 VAG (Insurance Supervision Act)

According to Article 45 paragraph 1 of the Insurance Supervision Act (VAG), we are obliged to inform you of several important points when you first contact us:

  • Our identity and address.
  • Our function as independent brokers and representatives who are not subject to any financial or economic ties to insurance companies, with an exclusive duty of loyalty to you.
  • Opportunities to inquire about the professional qualifications and further training of our employees.
  • Responsibility in the event of omissions, errors or incorrect information in our brokerage activities.
  • Handling of personal data, including the purpose, scope, recipients and storage of this data.

Right of revocation of a concluded contract in accordance with
Art. 2a of the Insurance Contract Act (VVG):

The policyholder has the right to revoke his application to conclude a contract or his declaration of acceptance within a period of 14 days. This period begins with the application for or acceptance of the contract. A verifiable form, such as e-mail or other text messages (SMS, WhatsApp, etc.), is sufficient for the revocation. Injured third parties can make claims against the insurance company despite revocation. In such cases, however, the policyholder must pay the premium.

Education, training and
professional qualifications

In accordance with Article 43 VAG, we are obliged to provide our employees with regular training and further education. To this end, we maintain a comprehensive employee development program that attaches great importance to professional qualifications. We also meet all Federal Council requirements for the training of insurance intermediaries, although there are no defined minimum standards.

According to Article 45 paragraph 1, letter c ISA, we must also inform you about how you can gain insight into the qualifications of our employees. We confirm on behalf of all our employees that we comply with these requirements:

  • We always inform you openly and in detail about the training of our employees.
  • The professional qualifications of the employees who interact with you are presented to you through appropriate procedures.
  • You have access to comprehensive information about our training system at all times.
  • We employ employees who hold a "Swiss Certified Insurance Specialist" diploma, a higher professional certificate as an "Insurance Specialist with Swiss Federal Certificate" or a "Swiss Certified Financial Advisor IAF" diploma.

Avoidance of
conflicts of interest

In accordance with Article 45a VAG, we are obliged to take appropriate organizational measures to prevent conflicts of interest in the brokerage of insurance services or to exclude possible disadvantages for you. We confirm, on our own behalf and on behalf of all internal and external employees and management, that we act exclusively in your interests and have no separate brokerage agreements with insurance companies or other partners. We undertake an exclusive duty of loyalty to you within the meaning of OR 412 ff. As a result, we undertake an exclusive fiduciary duty to you and guarantee that we will not become bankrupt or insolvent:

  • We are neither in bankruptcy or insolvency proceedings, in judicial composition proceedings, nor in liquidation, have not discontinued our business activities and are not in such a situation due to legal regulations.
  • We have not been convicted of any offense that would call our reliability into question.
  • We have not committed any serious professional misconduct
  • We have fulfilled our obligations to pay social security contributions, taxes and other duties.
  • We undertake to provide correct, truthful and complete information within the scope of the client relationship.
  • We have not been convicted of fraud, corruption, participation in a criminal organization or other illegal activities.
  • We are not subject to sanctions resulting from incorrect or incomplete information in the performance of the contract or from serious breaches of contract.
  • We will take and disclose all measures to ensure that we do not have any conflicts of interest in the context of our client relationships. This includes in particular the avoidance of conflicts that could arise from economic interests, political inclinations, national ties, family or friendly relationships and other relevant ties or interests.
  • We will not make any offers that promise unlawful advantages and have not granted, received or attempted to receive any financial advantages or benefits in kind as an incentive or remuneration for the award or acceptance of a mandate or the fulfillment of a contract that could be considered unlawful or corrupt.
  • We undertake not to grant, receive, attempt to receive or accept, either directly or indirectly, financial benefits or benefits in kind as an inducement or remuneration for the award or acceptance of a mandate or the performance of an assignment that could be considered unlawful conduct, bribery or corruption, and will avoid doing so in the future.
  • We have not entered into any cooperation agreements or other agreements with insurance companies that restrict our independence or our ability to work for other insurance companies. Furthermore, no insurance company or person responsible for administration and management is involved in our company.
  • We have not entered into any agreements with insurance companies that impair our independence and do not directly or indirectly hold more than 10 % of the capital of any insurance company.
  • We do not employ any staff who hold a management position in an insurance company or who can influence the course of business of an insurance company in any other way.

Disclosure of compensation
from insurance companies

We may receive an administrative fee for our services, which is paid by the insurer. This compensation is disclosed in accordance with the statutory disclosure obligation under Article 45b ISA, whereby its amount and nature is determined by certain calculation parameters:

  • Property- Liability- Cyber- Legal protection and transportation insurance max. 15% of the invoiced net annual premium
  • Construction, bonding, installation and technical insurance max. 15% of the invoiced net annual premium
  • Horse insurance 11% of the invoiced net annual premium
  • Motor vehicle and fleet contracts max. 10% of the invoiced net annual premium
  • Compulsory UVG accident insurance max. 5% of the invoiced net annual premium
  • Supplementary accident insurance max. 15% of the net annual premium invoiced
  • Daily sickness benefits insurance max. 7.5% of the invoiced net annual premium
  • Health insurance for basic insurance in accordance with KVG max. 70, for supplementary insurance in accordance with VVG max. 12 x the invoiced net monthly premium
  • Occupational pension funds and 1E contracts max. 7% of the pure risk annual premium
  • Life insurance and pension policies max. 5% of the one-off production sum calculated from premium * term in years

Due to changes in the structure or situation on the part of individual insurance companies, there may be deviations in the calculation parameters for compensation. Irrespective of this, we undertake to provide you with comprehensive and detailed written information on the current administrative compensation resulting from a mandate at any time on request.

In consultations prior to the conclusion of insurance policies, our employees will always explain transparently and to the best of their knowledge how high the insurer's compensation is. In the case of compensation for occupational pension services, we expressly point out that we strictly reject all types of additional compensation based on volume, growth or claims. We confirm that we implement and comply with the legal requirements pursuant to Article 48k BVV 2 at all times. At our first consultation, we will inform you of the nature and origin of all management fees.