Article 45

Information according to article 45 ISA

Version 20.10.2026

Intermediary

miavita GmbH
Frohburgstrasse 17
4600 Olten
Switzerland

Phone: +41 62 544 78 90
Email:  info@mia-vita.ch
Website:  www.miavita.ch

UID-Number:  CHE-241.661.424
FINMA ID:  F01317767
Legal form:  GmbH

Status

In accordance with Art. 45 ISA, we hereby inform you that miavita GmbH predominantly maintains direct contractual relationships with the following health, life and property insurance companies. Furthermore, we cooperate with brokers, in particular Procare Vorsorge AG, which is likewise directly linked by contract with the companies listed. These diverse business relationships qualify us as an untied insurance intermediary, whereby our unrestricted authority to act as intermediary for all of the companies named is retained.

Health insurance

Concordia, CSS, Groupe Mutuel, Innova, KPT, ÖKK, Sanitas, Sympany

Life and non-life insurance

Helvetia Baloise Holding AG, Generali, Helvetia, Liechtenstein Life, Pax, Smile.direct, Zugerberg Finanz AG, Zürich Versicherungs-Gesellschaft AG

In cooperation with Procare Vorsorge AG, further companies are directly linked to miavita GmbH: AIG, Allianz, Ampia, Animalia, ASGA, Automate, AXA, Calingo Insurance AG, CAP, CCAP, Coop, Dextra, elipsLife, Emilia AG, emmental, Epona, Europäische Reiseversicherung, GVB, KALA, Mobiliar, NEST, NKP Aspecta, NKP Skandia, Orion, PK Pro, Profond, Protekta, Rentes Genevoises, Retraites Populaires, RMS, Simpego, SwissCaution, TSM, UNIS, Vaudoise.

Initial and continuing training of insurance intermediaries

The details of the initial and continuing training of our insurance intermediaries are precisely recorded in this document. Our organisation is available at any time to provide supplementary information regarding the qualifications and registrations of our specialists. We guarantee that all relevant information will be provided with due care and in a transparent manner.

Advisory liability

We, as an untied intermediary, or our professional liability insurance, are liable for errors, negligence or incorrect information provided by the adviser in connection with the intermediation of insurance applications.

Data protection/confidentiality

The personal data that you entrust to us in connection with insurance advice are required by us solely for the purposes of advising you and processing the application. We have taken all necessary precautions to comply with the statutory data protection provisions. The data are processed only to the extent necessary for the administration and performance of our contractual relationship and as strictly required by the statutory provisions. In addition to our own use, your data are also shared with the relevant insurance companies from which you request quotes or whose insurance services you already use. This includes our contractual partners from whom you obtain offers or to whom you submit applications. It is important to us to emphasise that this transfer of data takes place exclusively for the purpose of preparing offers or administering contracts and always with the utmost discretion towards third parties. In this respect, the insurers from which you wish to obtain quotes are not deemed “third parties” within the meaning of this confidentiality undertaking. We assure you that all information made available to us in the course of the advice will be handled with the greatest care and in strict compliance with the data protection guidelines. Finally, personal data are retained only for as long as is strictly necessary on the basis of contractual and statutory provisions. They are subsequently deleted.

Terms of the compensation structure

Owing to the complexity and large number of partnerships, which are associated with far-reaching compensation structures, information on the terms of this compensation, including its nature and scope, is provided primarily verbally during consultations. This verbal communication focuses on informing the person being advised about the fundamental aspects of the compensation terms. In doing so, the nature and scope of the compensation are explained insofar as they can be determined in advance. In cases where the exact amount of the compensation cannot be established in advance, the person being advised is informed that detailed information, including the calculation parameters and possible ranges, can be provided on request. This flexible approach makes it possible to offer the person being advised a comprehensive insight into the compensation structures while at the same time answering specific enquiries individually. For further safeguarding and documentation, the verbal communication about the compensation structures, including the information on nature and scope, is recorded in writing in an advisory record following the advisory meetings. This record notes that the corresponding disclosure has taken place, and the person being advised confirms this with their signature. This practice serves to ensure transparency and the traceability of the communication and guarantees compliance with the statutory requirements.

The following applies to health insurance: the compensation for supplementary insurance under the ICA amounts to a maximum of 16 times the monthly ICA premium.

For further information or questions, you can contact the following e-mail address: backoffice@mia-vita.ch