How can the Insurance Ombudsman help you?

	The Insurance Ombudsman is an impartial source of information and neutral mediation in disputes.
	It mediates between the disputing parties and submits its neutral proposals to resolve conflicts (Alternative Dispute Resolution).
	Parties are not bound by the Insurance Ombudsman's findings, Applicants are free to accept or to refuse the Ombudsman's proposals and to take further legal steps.
	The Insurance Ombudsman is bound by a Code of Conduct to full confidentiality. It only contacts an Insurance Company with the applicants' permission.
	Mediation generally takes 4-6 weeks.
	The Insurance Ombudsman provides its services in German, French, Italian and English.
	The services are free of charge.

Scope of actions

The Insurance Ombudsman deals with the entire range of issues relating to Private Insurance, including claims of third parties.

Restrictions

Can the Insurance Ombudsman help in my case?

- Is the insurance company located in Switzerland?
- Can a financial loss or any disadvantage be demonstrated?
- Is no lawyer or offical body actively involved in the case?

If you can answer all these questions with 'yes', you may consult the Insurance Ombudsman.

Please enclose the following with your written application:

- A clear description of the facts, the problem, the complaint and what you wish to accomplish.
- Copies (not originals!) of relevant documents (e.g. policy, general terms and conditions, correspondence with the insurer).
- A Power of Attorney that authorises the Insurance Ombudsman to contact the insurance company.

> Address your complaint with these documents to:

Insurance Ombudsman
Postfach 2646
CH-8022 Zurich
Switzerland

phone: ++41 44 211 30 90
fax: ++41 44 212 52 20
email: help@insuranceombudsman.ch