# ThatDay

> Independent insurance and Vorsorge (pension) advice for private individuals in Switzerland. ThatDay advises on health insurance, supplementary insurance, hospital cover, pillar 3a, pension planning, family protection and income protection. Consultation-first; insurance intermediation is provided through AM Swiss Finance GmbH, with Alain Michel registered in the FINMA intermediary register (F01259271). ThatDay is not an insurer or a cheapest-premium comparison portal.

ThatDay is a consultation-first advisory and broker brand. Insurance intermediation is provided through AM Swiss Finance GmbH; the responsible registered intermediary is Alain Michel (FINMA F01259271, formerly WR34489). It serves private individuals, families, entrepreneurs and self-employed people in Switzerland. The advisers clarify the question, compare relevant providers and products, read existing contracts when needed, explain trade-offs and recommend whether to keep, adjust or switch. The first consultation is free and non-binding. Boundaries: no medical advice, no diagnosis, no treatment promise and no guarantee of insurer acceptance.

## Important Pages

- [Homepage](https://thatday.ch/): independent insurance and pension advice in Switzerland
- [Consultation directory](https://thatday.ch/beratung/): choose advice by topic
- [Insurance advice](https://thatday.ch/beratung/versicherungsberatung/): broad insurance consultation when several topics overlap
- [Health insurance advice](https://thatday.ch/beratung/krankenkassenberatung/): premiums, model, franchise, family and switching with Alain Michel
- [Supplementary insurance advice](https://thatday.ch/beratung/zusatzversicherungsberatung/): benefits, underwriting, hospital cover and existing rights with Alain Michel
- [Pension advice](https://thatday.ch/beratung/vorsorgeberatung/): pillar 3a, BVG, pension, tax and income protection with Alain Michel
- [First consultation](https://thatday.ch/erstgespraech/): choose a topic and an available appointment
- [About ThatDay](https://thatday.ch/ueber-uns/): the brand, the broker and the people
- [Manifest](https://thatday.ch/manifest/): the ThatDay philosophy
- [Gesundheit](https://thatday.ch/gesundheit/): health insurance and hospital cover hub
- [Prevention, fitness and check-ups](https://thatday.ch/gesundheit/praevention-zusatzversicherung/): what basic and supplementary insurance may cover
- [Vorsorge](https://thatday.ch/vorsorge/): pension and provision hub
- [Wissen](https://thatday.ch/wissen/): knowledge hub and guides
- [Anbieter](https://thatday.ch/anbieter/): insurer and provider information hub
- [Produkte](https://thatday.ch/produkte/): product information hub
- [Vergleiche](https://thatday.ch/vergleiche/): product comparisons hub
- [Impressum](https://thatday.ch/impressum/): legal imprint
- [Art. 45 VAG](https://thatday.ch/vag-45/): broker disclosure under Art. 45 VAG
- [Datenschutz](https://thatday.ch/datenschutz/): privacy policy

## Health Insurance and Hospital Cover

- [Spitalzusatzversicherung](https://thatday.ch/gesundheit/spitalzusatzversicherung/): supplementary hospital insurance overview
- [Halbprivat oder privat](https://thatday.ch/wissen/halbprivat-oder-privat/): semi-private vs private
- [Privat weltweit](https://thatday.ch/wissen/spitalzusatzversicherung-privat-weltweit/): worldwide private cover
- [Existing hospital cover](https://thatday.ch/wissen/bestehende-spitalzusatzversicherung-pruefen/): check an existing policy before changing it
- [Private hospital insurance guide](https://thatday.ch/wissen/private-spitalversicherung-schweiz/): in-depth guide
- [Supplementary insurance switch guide](https://thatday.ch/wissen/zusatzversicherung-wechseln/): how to switch
- [Health-check guide](https://thatday.ch/wissen/gesundheitspruefung-zusatzversicherung/): the Gesundheitsprüfung explained
- [Prevention and fitness guide](https://thatday.ch/gesundheit/praevention-zusatzversicherung/): fitness subscriptions, preventive measures, check-ups and contract limits

## Premium Products and Providers

- [Premium hospital comparison](https://thatday.ch/vergleiche/private-spitalversicherung-premium/): premium products side by side
- [SWICA BestMed](https://thatday.ch/produkte/swica-bestmed/): product guide
- [Helsana HOSPITAL Privat](https://thatday.ch/produkte/helsana-hospital-privat/): product guide
- [Sanitas Hospital Top Liberty](https://thatday.ch/produkte/sanitas-hospital/): product guide
- [CSS myFlex Hospital](https://thatday.ch/produkte/css-myflex-hospital/): product guide
- [CONCORDIA Spitalversicherung](https://thatday.ch/produkte/concordia-spitalversicherung/): product guide
- [KPT Privat Welt](https://thatday.ch/produkte/kpt-privat-weltweit/): product guide
- [SWICA provider](https://thatday.ch/anbieter/swica/): provider page
- [Helsana provider](https://thatday.ch/anbieter/helsana/): provider page
- [Sanitas provider](https://thatday.ch/anbieter/sanitas/): provider page
- [CSS provider](https://thatday.ch/anbieter/css/): provider page

## Vorsorge, Pension and Income Protection

- [Vorsorge hub](https://thatday.ch/vorsorge/): overview
- [Säule 3a](https://thatday.ch/vorsorge/saeule-3a/): pillar 3a
- [Pensionsplanung](https://thatday.ch/vorsorge/pensionsplanung/): retirement planning
- [BVG](https://thatday.ch/vorsorge/bvg/): occupational pension
- [1e Vorsorgeplan](https://thatday.ch/vorsorge/1e-vorsorgeplan/): 1e plans
- [Risikolebensversicherung](https://thatday.ch/vorsorge/risikolebensversicherung/): term life insurance
- [Erwerbsunfähigkeit](https://thatday.ch/vorsorge/erwerbsunfaehigkeit/): disability cover
- [Familie absichern](https://thatday.ch/vorsorge/familie-absichern/): family protection

## Specialists

- Alain Michel — responsible FINMA-registered insurance intermediary and the personal advisor for all new ThatDay consultations.
- Robert Kolar and Nicole Bohne remain visible as specialist profiles and for continuity with existing contacts; they are not offered in the new-booking calendar.

## Optional

- [XML sitemap](https://thatday.ch/sitemap-index.xml): complete list of indexable pages