VAG 45

Customer information according to Art. 45 VAG

Identity and address: AG, Zwickystrasse 14, 8304 Wallisellen
(nachfolgend « AG»)

Insurance branches and insurance companies:

VAG 45 AG operates as an independent insurance broker in the following insurance sectors:

  1. Other life insurance
  2. Personal insurance
  3. Comprehensive insurance
  4. Transport goods insurance
  5. Other property damage insurance
  6. Financial protection
  7. Liability insurance
  8. Legal protection
  9. Tourist assistance services AG brokers products from the following insurance companies in the life insurance branch:

  • AXA Leben
  • Allianz
  • Basler Leben
  • CSS
  • Elips Life
  • Generali Personenversicherungen
  • Groupe Mutuel Leben
  • Helvetia Schweizerische Lebensversicherungsgesellschaft
  • Liechtenstein Life Assurance
  • PAX Schweizerische Lebensversicherungs-Gesellschaft
  • Schweizerische Mobiliar Versicherungsgesellschaft
  • Swiss Life
  • Vaudoise
  • Zurich Lebensversicherungs-Gesellschaft
  • Zürcher Kantonalbank AG brokers products from the following insurance companies in the non-life insurance sector:

  • 3A Alternative Assurance Agency
  • AdunoKaution
  • Allianz
  • Assista Rechtsschutz
  • Assura Krankenkasse
  • AutoMate Insurance
  • Avenir Krankenversicherung
  • Basler Versicherung
  • Concordia Kranken- und Unfallversicherung
  • Coop Rechtsschutz
  • CSS Versicherung
  • Dextra Rechtsschutz
  • Easy Sana Krankenversicherung
  • ERV Europäische Reiseversicherung
  • Fortuna Rechtsschutz-Versicherungs-Gesellschaft
  • Generali Allgemeine Versicherungen
  • Groupe Mutuel Versicherungen
  • GVB Privatversicherungen
  • Helsana
  • Helvetia Schweizerische Versicherungsgesellschaft
  • innova Versicherungen
  • Mutuel Krankenversicherung
  • Orion Rechtsschutz-Versicherung
  • ÖKK Krankenkasse
  • Philos Krankenversicherung
  • Protekta Rechtsschutz-Versicherung
  • Sanitas Krankenkasse
  • Schweizerische Mobiliar Versicherungsgesellschaft
  • Simpego Versicherungen
  • Versicherungen
  • Swica
  • Swiss Caution
  • Sympany
  • TCS
  • TSM Versicherungs-Gesellschaft
  • Zurich Versicherungs-Gesellschaft AG nimmt in den Versicherungszweigen der Nicht-Lebensversicherung Offertanfragen bei folgenden Versicherungsunternehmen vor:

  • Agrisano Krankenkasse AG
  • Allianz
  • AMB Versicherungen AG
  • Animalia
  • Assura Basis AG
  • Atupri Gesundheitsversicherung
  • Aquilana
  • Avenir Krankenversicherung AG
  • AXA
  • Baloise
  • Caisse-maladie de la vallée d'Entremont société coopérative
  • CAP Rechtsschutzversicherung
  • Cassa da malsauns Lumneziana
  • Concordia Schweiz. Kranken- und Unfallversicherung AG
  • CSS Versicherung
  • Easy Sana Krankenversicherung AG
  • EGK Grundversicherungen AG
  • Einsiedler Krankenkasse
  • Elvia Versicherungen
  • Emilia Rechtsschutzversicherung
  • Generali Allgemeine Versicherungen
  • Genossenschaft Glarner Krankenversicherung
  • Genossenschaft Krankenkasse SLKK
  • Genossenschaft Krankenkasse Steffisburg
  • Gewerbliche Krankenkasse
  • Helsana Versicherungen AG
  • Helvetia Schweizerische Versicherungsgesellschaft
  • Hotela Krankenkasse
  • Justis Rechtsschutz
  • K-Tipp Rechtsschutzversicherung
  • Klug Krankenversicherung
  • Kolping Krankenkasse AG
  • KPT Krankenkasse AG
  • Krankenkasse Birchmeier
  • Krankenkasse Institut Ingenbohl
  • Krankenkasse Luzerner Hinterland
  • Krankenkasse Schweizerischer Metallbaufirmen
  • Krankenkasse Stoffel, Mels
  • Migros Versicherungen
  • Moove Sympany AG
  • Mutuel Krankenversicherung AG
  • Mutuel Neuchâteloise Assurance Maladie
  • ÖKK Kranken- und Unfallversicherungen AG
  • Philos Krankenversicherung AG
  • Provita Gesundheitsversicherung AG
  • Rhenusana
  • Sanavals Gesundheitskasse
  • Sanitas Grundversicherungen AG
  • Schweizerische Mobiliar Versicherungsgesellschaft
  • Simpego Versicherungen
  • versicherungen
  • Sodalis Gesundheitsgruppe
  • Stiftung Krankenkasse Wädenswil
  • Sumiswalder Krankenkasse
  • Supra-1846 SA
  • Swica Krankenversicherung AG
  • Taggeldkasse bildende KünstlerInnen
  • VCS Rechtsschutzversicherung
  • Verein Krankenkasse Visperterminen
  • Vita Surselva
  • Vivao Sympany AG
  • Wau-miau
  • Zürich Versicherungs-Gesellschaft

Contractual relationships: AG works on behalf of its customers and only concludes cooperation contracts with insurance companies in order to enable its customers to arrange the desired insurance contract. At AG, income is limited to commissions in connection with the services offered in addition to policy administration, such as obtaining offers. In the area of health insurance, they amount to up to CHF 70 per insured person for KVG products and up to twelve monthly premiums per completed product for VVG products (conclusion commission), or up to 20% for existing commissions (courage). For property and asset insurance products it is up to CHF 62 per quote request. For pension products, the commission amounts to up to 4.8% of the running premium.

The customer is generally entitled to any commissions, brokerage fees and additional compensation. The customer is hereby informed of this and hereby expressly waives the right to be informed by AG about the exact amount of commissions, brokerage fees and additional compensation received and hereby waives any corresponding claims for surrender against Optimatis and its partners. This also applies to any commissions, brokerage fees and additional compensation paid after the end of the contract.


The company that is liable for claims arising from errors, negligence or incorrect information in connection with the brokerage activity is AG.

Data processing: AG processes personal data (name, address, etc.), offer and application data as well as insurance data of its customers. The personal data is processed for the purpose of obtaining offers and insurance brokerage and, in connection with these activities, is forwarded to insurance companies and any service providers as well as to Comparis for its purposes in accordance with its data protection declaration. The data is stored electronically or on paper in Switzerland. If inquiries are made via partner companies, they can be informed about the basic data and what the people concerned are interested in. For further data processing by AG, please refer to the data protection declaration on the website and the customer portal of AG (

Version from January 3rd, 2024