Historically low interest rates, volatile equities markets and regulatory demands mean both risks and opportunities for insurers.

Regulatory demands mean both risks and opportunities for insurers.

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Insurers are currently focusing on digitization and the specific new requirements this means for them as companies, as well as on improving their operating efficiency and developing products that are both innovative and attractive.

They are optimizing their sales and service processes and seeking growth in flatlining markets.The Swiss supervisory authority FINMA and its foreign counterparts are constantly imposing new conditions. Insurers are being forced to meet more stringent solvency requirements such as the Swiss Solvency Test and Solvency II.

Finally, the accounting standard setters are issuing new reporting regulations on an ongoing basis, with IFRS 4 Phase II and IFRS 9 posing a challenge to insurers.

KPMG’s multidisciplinary team boasts specific knowledge of the sector and helps insurers to ready themselves for the requirements to come.

KPMG’s expertise

  • Data analytics and cybercrime
  • Advice on issues of supervisory law facing the insurance industry
  • Advice on accounting and reporting matters, especially under IFRS and Swiss GAAP FER
  • Advice on commencing business operations in Switzerland
  • Advice on structures for outsourcing
  • Quantitative and qualitative risk management, now with a focus on ORSAs
  • Actuarial support with issues such as reserving, pricing, risk modeling, capital management and transactions
  • Advice on improving operating efficiency and effectiveness
  • Advice on value-added tax (VAT), corporate taxes and international tax structures
  • Advisory for pension funds- Statutory and supervisory auditors

Further information

Setting up an insurance operation in Switzerland (PDF)
KPMG Insurance Advisory Services (PDF)
Interne Revision: Sourcing bei Krankenversicherern
(PDF, in German)
Public disclosure (PDF)

Financial market legislation

Laws, ordinances and FINMA circulars for financial intermediaries.

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