§ Audience 04 · Solution architecture · Insurance & Financing
Through our affiliation with a leading brokerage and our partnerships with the major Swiss and global institutions, we select and negotiate preferential terms with the most solid counterparties, to deliver compliance solutions of absolute rigour. Read it by need rather than by status, and identify the instrument that fits the mission.
Ambassadors & Diplomats (B · C · KB · KC). The LAMal exemption file, complementary cover on top of the sending-state scheme, capital held where it costs least, and property financing up to 80% of the lending value when acquisition is on the agenda. Every recommendation operates within the headquarters agreement.
Open the dedicated practice →Mission Staff & International Organisations (D · E · P · K). The exemption file, complementary cover for what the internal scheme leaves unpaid, withholding tax reclaimed on Form S-161, and a transfer clause in every contract from day one. Cross-border households resident in France are handled here too.
Open the dedicated practice →Accompanying Family (Ci permit). What the Ci transition actually costs, the Pillar 3a arithmetic and the TOU filing that carries the deduction, business set-up under the right legal form, and the mixed-couple overlay that keeps the two regimes coherent.
Open the dedicated practice →Inside the Swiss Special Regime, the word standard rarely serves the mission. Most financial products on this market are calibrated for the ordinary taxpayer and misread a legitimation card by default. The Solution Center exists to give the mission a single-screen overview of every instrument engineered specifically for the diplomatic corps in Geneva.
Every solution below has been built or curated for the legitimation card community. Each is regulated under Swiss law, each combines with the others, and each is delivered by a single point of contact regardless of the audience the mission falls into.
§ 01 · Health & Pension desk
The LAMal exemption is granted by the canton, not by a broker, and the scheme of the sending state or the organisation remains the primary cover. What a private insurer adds sits above that. The bureau builds the exemption file, then closes the gap the primary scheme leaves open.
First-tier worldwide policies designed for B and C card holders, offering complete portability on an international transfer.
Targeted solutions that dovetail with the UN (UNSMIP) or WHO (SHIF) schemes without duplicating premiums, with case management in English and a direct line for hospital admissions.
Unrestricted retirement savings suited to those exempt from direct taxation, allowing capital withdrawal without destructive penalties. Global student cover for dependent children is handled in the same framework.
§ 02 · Savings & Banking intermediation desk
Card holders exempt from Swiss tax and from AVS have no use for a product sold on its deduction, and no right to a Pillar 3a. Working spouses on a Ci permit are in the opposite position. The catalogue below is read against the status, never against the product.
§ 03 · Financing & Real estate desk
Property acquisition by diplomats in Geneva calls for precise command of the Lex Koller and of the immunity-from-execution risk. The bureau negotiates on the mission's terms and assembles files that clear compliance without immunity becoming an obstacle.
§ 04 · Our compliance guarantees
Our model rests on complete independence. We carry no in-house product. We select, impartially, the first-tier instrument or contract that answers the specifics of your legitimation card.
FINMA registration F01506548 is an insurance intermediary entry under the LSA, not an authorisation to advise on investments. Mandat Genève provides neither investment advice nor portfolio management within the meaning of the LSFin. Those services belong to the regulated banking institutions.
LSA insurance intermediary · CICERO no. 43076 · FINMA no. F01506548 · AFA member
§ 05 · Continuity of service
Postings rotate every three to five years, and the fear that comes with that is signing a Swiss contract that will not let go on the way out. Every contract arranged through the bureau carries a diplomatic transfer clause, allowing termination or transfer without financial penalty on departure from Switzerland.
The LAMal exemption file, and coordination of account opening with leading banking institutions under the regulatory classification that conforms to your status of immunity and international exemption.
Capital structuring, business set-up for the accompanying spouse, education planning for dependent children, year-round liaison with the canton.
The transfer clause exercised, complementary cover continued, and the legal architecture that lets the household remain in Geneva or move on without friction.
§ 06 · Solutions matrix
A consolidated view of the four flagship solutions, the cards they cover and what each one actually delivers. The matrix is the entry point. Every file is calibrated individually under counsel.
| Core solution | Eligible cards | Primary benefit | What it changes |
|---|---|---|---|
| Complementary health | B · C · D · E · K · P | Covers what the mission or organisation scheme leaves unpaid | Sits on top of the statutory scheme without touching the exemption |
| Pillar 3a | Ci (working) | Deduction open to a spouse liable to AVS contributions | Obtained through a TOU filed before 31 March, once the arithmetic holds |
| Life insurance wrapper | All statuses | Capital anchored in Switzerland, transferable internationally | Serves as Lombard collateral, with a diplomatic transfer clause |
| Property financing | Main card categories | Acquisition despite immunity from execution | Up to 80% of the lending value with specialised Geneva private banks |
§ Begin
Administrative confusion costs missions thousands in unnecessary taxes and premiums. The 360° status audit reviews health, capital, real estate and continuity in one confidential conversation. Every situation is settled on the individual file.
Mandat Genève