We provide perfectly fitting insurance covering

Does your insurance match your individual needs? Do you know your own risks and have covered them with insurances? Not every person or company needs all insurances at all times. The market offers many combination packages for policyholders that should be considered carefully. Our insurance experts will run an insurance check for you and will assist in choosing the right policies. They will also inform you about the options that will save you money!
Our goal is to perfectly tailor your insurance to your individual needs, to adapt to your demands and desires. Upon your wish we would be happy to create a combination of all insurances you need and integrating all of your demands and desires. Due to our broad expertise, we can competently provide answers to all your questions about insurances, and how you can get the best out of the policies in your insurance agreements. Your optimal insurance is our declared goal! To ensure that your insurance policies are remunerative for you, content-wise and financially, we are always up-to-date in matters of special bonus programs of all insurance companies. Thus, we never miss financial advantages our customers may profit from! With us you are on the safe side of life and save money at the same time! The members of our competence team would be pleased to assist you in all areas of insurances, whether personally or on the phone. +Sbaa GmbH
The first column of the Swiss Social Insurace System consists of social security and old-age and survivors insurance (AHV). The AHV is the most meaningful column (1st column) when it comes to old-age and survivors insurance domain in Switzerland. When reaching the planned age, the insured person should be able to withdraw from working life. After the passing of a parent or spouse, the survivors insurance intends to protect the surviving dependants from facing financial difficulties while suffering from the loss. The disability insurance (IV) is the most significant column (1st column) in disability precaution in Switzerland. This insurance has the goal of providing the insured person with payments and reintegration measures, in case he or she suffers from disability. Casualty insurance covers damage in case of occupational disease or accident. Occupational precaution (BV) is the 2nd column in the Swiss Social Insurance System. After retiring, the insured person shall be able to continue life at the same standard of living he or she was used to during employment. These insurances are obligatory for every Swiss citizen.
In Switzerland, health insurance consists of two obligatory basic insurances and several supplementary insurances that can be chosen freely. The obligatory basic insurance more or less always covers the same payments at all Swiss insurers, as these are defined by the government. This is different when it comes to supplementary insurances; this area offers a very wide range of complete insurance packages and price offers which is barely transparent to customers. With pleasure, we will provide assistance in choosing your personal additional insurances. We will explain in detail what insurance services will be covered, and what services are of interest in your particular situation in life. We also offer to check your current insurances and how well they match your individual needs. Hereby, we consider whether your insurance agreements are in an acceptable price-quality-ratio. 
Some risks of modern life are damages and problems related to mobility. These are for example car accidents with people or other motorized road users, parking damages or other incidents that cause loss of value of vehicles. After car accidents, people often find themselves in situations threatening the financial existence. To protect yourself from such situation, it is necessary to have vehicle insurance. We would be pleased to examine your current vehicle insurance and will carefully check the agreement in terms of need for improvement and price-related attractiveness.We are looking forward to your contacting, when you have chosen our services for examining the current insurance policies on your vehicle. In case the current vehicle insurance does not match your usage or demands, or simply costs too much, we will make an offer that perfectly fits you and, at the same time, is much cheaper than your current agreement!
With the household insurance you can hedge your entire household goods against everyday risks. This area of insurance also offers many different services and payments at wide-ranging prices. Does your household insurance cover your current state of possessions? We will inform you about all these details, since the protection of our customers’ homes is part of the Sbaa’s mission. We will provide detailed advice about how you can find a fitting household insurance at the best price! We are available at any time, once you have chosen to let our competence team give you free and non-binding advice! 
Property insurance covers all costs caused by destruction, damage, or theft of items, real estate, or similar objects. It is well known, that costs for the damages listed above can hold significant financial risks and even endanger the very existence of private persons or businesses. To guarantee your safety, we offer well-tailored solutions in all areas: Property insurance for small and medium enterprises (SME), property insurance for private persons, and building insurance. Our experts will competently answer all your questions to different services concerning the property insurance. With pleasure, we will discuss the particular payments in case of natural hazard and damages caused by fire, theft, water, hail, and earthquakes as well as glass breakage and interruption of business operation.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English. Many desktop publishing packages and web page editors now use Lorem Ipsum as their default model text, and a search for 'lorem ipsum' will uncover many web sites still in their infancy. Various versions have evolved over the years, sometimes by accident, sometimes on purpose (injected humour and the like).A life insurance guarantees a life during retirement that is free of financial worries and constraints. Basically, you may choose from three main models:Firstly, term life insurance. This particular kind of life insurance ensures payments in case of death or invalidity. Within this framework, the insured person or relatives are protected from risks such as sickness, accidents, or death. However, this insurance is arranged without the option of saving money for retirement; it is only a basic insurance. Secondly, life insurance to build up assets. This insurance contains the element of systematically saving money for retirement. Thirdly, there is the option of applying for unit-linked life insurance.Most Swiss citizens choose endowment life insurance – a model in which the money saving process is combined with other services. Thus, pension entitlements and financial security can both be obtained. If necessary or upon wish, the customer of endowment life insurance receives a guaranteed payment of all saved assets. At the same time, financial security for life in retirement exists. All customers of life insurances tied to funds decide about the premiums themselves, whilst the insured persons automatically participate in the movements on financial markets for funds. With pleasure, our employees will make an offer for your individual life insurance which perfectly fits your personal situation and financial capabilities.
Mon: 08 : 30am - 18 : 00pm
Tue: 08 : 30am - 18 : 00pm
Wed: 08 : 30am - 18 : 00pm
Thu: 08 : 30am - 18 : 00pm
Fri: 08 : 30am - 17:00pm 
Sat: By appointment
Sun: Closed 
OstFinanz GmbH
Grossackerstrasse 1
9000 St. GallenSG
Phone. +41 71 226 50 00
Fax. +41 71 226 50 00

It is illegal to publish or copy the contents of this website without explicit approval of the website’s owner, Sbaa GmbH. The Sbaa GmbH protects its servers and therefore the confidential client information with the most modern technology available on the market. Privacy Policy