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2026 Statistics

Key Facts: Versicherungsfachmann BP Exam

Grade 4.0

Passing Grade (1.0-6.0 scale)

SBFI / VBV Prüfungsordnung

CHF 4,150

Total VBV Examination Fees (6 module exams + final exam)

VBV Kostenübersicht Versicherungsfachmann/-frau

CHF 17,760

Total Programme Cost incl. Course Fees, excl. Teaching Materials

VBV Kostenübersicht Versicherungsfachmann/-frau

240 + 30 min

Federal Final Examination: Written Paper plus Oral Examination

VBV Wegleitung zur eidg. Abschlussprüfung

50%

Federal Course Tuition Subsidy (max CHF 9,500)

SBFI Bundesbeiträge

NQF Level 5

National Qualification Level (Professional Bachelor)

National Qualifications Framework CH

18 Months

Typical Part-Time Study Duration (3 Semesters)

VBV Bildungsgang Richtlinien

2 Retakes

Maximum Repeat Attempts for Failed Modules

VBV Prüfungsordnung

The Versicherungsfachmann / Versicherungsfachfrau mit eidgenössischem Fachausweis is Switzerland's federal professional qualification for insurance specialists, governed by the VBV under SBFI oversight. Examination fees total CHF 4,150 within a CHF 17,760 programme, of which SBFI reimburses up to 50% of course fees to a maximum of CHF 9,500. Candidates complete four compulsory modules, three of eleven elective modules and one of four process modules before sitting a federal final examination of 240 minutes written plus 30 minutes oral, weighted 50% each and graded on the Swiss 1–6 scale with 4.0 as the pass mark. The exam is held in German, French or Italian; this English-language multiple-choice study adaptation provides 109 practice questions built from the official module syllabuses.

Sample Versicherungsfachmann BP Practice Questions

Try these sample questions to test your Versicherungsfachmann BP exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 109+ question experience with AI tutoring.

1Under Article 6 of the Swiss Insurance Contract Act (VVG / LCA), what is the statutory deadline for an insurer to terminate a contract after becoming aware of a breach of the pre-contractual duty of disclosure (Anzeigepflichtverletzung)?

A.Within 14 calendar days of discovering the breach

B.Within 4 weeks of gaining positive knowledge of the breach

C.Within 3 months from the date of the formal policy issue

D.At the end of the current calendar year with 30 days notice

Explanation: Under Art. 6 VVG, if the policyholder or insured person has misrepresented or concealed an important risk factor when concluding the insurance contract, the insurer has the right to terminate the contract in writing within 4 weeks of gaining positive knowledge of the breach of disclosure.

2Under the revised Swiss Insurance Contract Act (Art. 2a VVG), how long is the statutory revocation period (Widerrufsrecht) during which a policyholder may revoke a newly proposed or accepted insurance contract?

A.7 calendar days from submitting the application

B.14 calendar days from submitting the proposal or accepting the policy

C.30 calendar days from receiving the first premium invoice

D.60 calendar days from the agreed effective inception date

Explanation: Art. 2a VVG grants the applicant or policyholder a statutory right of revocation within 14 calendar days of applying for or accepting the contract. The revocation must be submitted in writing or via text form that allows proof by text.

3What is the general statute of limitations (Verjährungsfrist) for claims arising from an insurance contract under Article 46 of the revised Swiss Insurance Contract Act (VVG)?

A.1 year from the occurrence of the insured event

B.2 years from the date the damage was assessed

C.5 years from the occurrence of the fact giving rise to the obligation

D.10 years from the end of the calendar year of policy issuance

Explanation: Under the revised Art. 46 VVG (which entered into force on 1 January 2022), claims arising from an insurance contract expire (verjähren) 5 years after the occurrence of the fact that created the obligation to perform (previously 2 years under the old VVG).

4In the event of a partial insured loss under Article 42 VVG, what rights of contract cancellation (Kündigung im Schadenfall) exist for both parties?

A.Only the insurer may terminate the contract, provided it gives 6 months notice before the end of the policy year

B.Only the policyholder may terminate, and must do so within 7 days of submitting the initial claim notice

C.Both the insurer and the policyholder may terminate the contract when the insurer acknowledges or pays indemnity

D.Neither party may terminate the contract before the full multi-year contractual duration expires

Explanation: Art. 42 Abs. 1 VVG gives the insurer and the policyholder the same right: where only a partial loss has occurred and indemnity is claimed, either party may withdraw from the contract at the latest when the indemnity is paid. Cover then ends 14 days after the notice reaches the other party (Art. 42 Abs. 2 VVG). Art. 35a Abs. 4 VVG restricts this right to the policyholder alone in supplementary health insurance.

5Under the Swiss Insurance Supervision Act (VAG / LSA), what is the primary regulatory distinction between tied insurance intermediaries (gebundene Versicherungsvermittler) and untied insurance intermediaries (ungebundene Versicherungsvermittler)?

A.Tied intermediaries only sell life insurance, while untied intermediaries only sell non-life insurance

B.Untied intermediaries act primarily in a fiduciary relationship to the client (broker) and must be registered in the FINMA public register, whereas tied intermediaries act for one or more specific insurers

C.Tied intermediaries are legally exempt from all disclosure of commissions, whereas untied intermediaries are prohibited from earning any compensation

D.Untied intermediaries must be licensed as cantonal attorneys-at-law, whereas tied intermediaries require no vocational training

Explanation: Art. 40 Abs. 2 VAG defines untied intermediaries as those who stand in a relationship of trust (Treueverhältnis) to policyholders and act in their interest; Art. 40 Abs. 3 VAG makes every other intermediary a tied intermediary. Under Art. 41 Abs. 1 VAG untied intermediaries may only operate once entered in the FINMA register, and since the revised intermediary rules took effect on 1 January 2024 that register is reserved for untied intermediaries — tied intermediaries are no longer entered in it at all.

6Which Swiss regulatory framework establishes the quantitative risk-based capital requirements and target capital solvency calculation for private insurance companies operating in Switzerland?

A.Swiss Solvency Test (SST)

B.Basel III Capital Accord

C.Solvency I Flat Premium Index

D.OR Capital Protection Ratio (Art. 725 OR)

Explanation: The Swiss Solvency Test (SST) is the market-consistent, risk-based supervisory framework enforced by FINMA under the Insurance Supervision Act (VAG) to evaluate whether an insurance company holds sufficient risk-bearing capital relative to its target capital.

7Under Article 14 VVG, how does the policyholder's degree of fault affect the insurer's statutory obligation to indemnify property damage?

A.Any fault, including slight negligence, completely releases the insurer from all indemnity

B.If the insured caused the event through slight negligence, the insurer may reduce indemnity by 50%

C.The insurer is released from liability if the event was caused intentionally, and may reduce compensation in proportion to fault if caused by gross negligence (grobe Fahrlässigkeit)

D.The insurer must always pay 100% of the loss regardless of intentional acts or gross negligence

Explanation: Under Art. 14 VVG, if the claimant caused the insured event intentionally (absichtlich), the insurer is not bound to perform. If the event was caused through gross negligence (grobfahrlässig), the insurer is legally authorized to reduce its compensation proportionally to the degree of fault.

8A business owner insures a commercial building against fire with Insurer A for CHF 1,000,000 and with Insurer B for CHF 1,000,000 without fraudulent intent. The actual replacement value of the building is CHF 1,000,000. Under the revised VVG rules on multiple insurance (Mehrfachversicherung, Art. 46b and 46c VVG), what is the legal outcome in the event of a total fire loss?

A.The policyholder receives CHF 2,000,000 total (CHF 1,000,000 from each insurer), realizing a profit

B.Both policies are voided immediately and neither insurer pays any compensation

C.The policyholder may not receive more than the actual total damage (CHF 1,000,000), and each insurer is liable proportionally to its contracted sum (each pays CHF 500,000)

D.Only the first policy in chronological order is valid; Insurer B must refund all premiums and pay zero

Explanation: Since the VVG revision in force on 1 January 2022, multiple insurance is governed by Art. 46b VVG (notification duty and the policyholder's right to cancel the later contract) and Art. 46c Abs. 1 VVG, under which each insurer is liable for the loss in the ratio of its own sum insured to the total of all sums insured. Here each insurer carries CHF 1,000,000 of a CHF 2,000,000 total, so each pays half of the CHF 1,000,000 loss. Indemnity cover also cannot be cumulated with other loss-compensating benefits (Art. 95c Abs. 1 VVG).

9Under Article 95c VVG (Regressrecht des Versicherungsunternehmens), when an indemnity insurer pays an insured for property damage caused by a liable third party, what happens to the claim against that third party?

A.The claim against the liable third party remains exclusively with the insured, who must sue the third party and refund the insurer

B.The insured's claim against the liable third party passes to the insurer by statutory subrogation (cessio legis) up to the amount of indemnity paid

C.The third party's legal liability is automatically extinguished upon the insurer's payment

D.The insurer must obtain an explicit written deed of assignment (Abtretungserklärung) signed by the third party before pursuing recourse

Explanation: Art. 95c Abs. 2 VVG, inserted by the revision in force on 1 January 2022, provides that the insurer enters into the insured's rights for the congruent heads of loss it has covered, to the extent of and at the moment of its payment. The transfer happens by operation of law (Legalzession) and replaced the repealed Art. 72 VVG. Art. 95c Abs. 3 VVG bars that recourse where a closely connected person — for example a household member, employee or authorised user — caused the loss only through slight negligence.

10Under the Swiss Code of Obligations (Art. 41 OR), what four cumulative legal elements must a claimant prove to establish non-contractual fault liability (Verschuldenshaftung)?

A.Written contract, premium payment, financial insolvency, and malice

B.Damage (Schaden), unlawfulness (Widerrechtlichkeit), natural and adequate causal link (Kausalzusammenhang), and fault (Verschulden)

C.Strict statutory strict liability, insurance coverage, registration with FINMA, and gross negligence

D.Property ownership, police citation, physical injury, and commercial registration

Explanation: The fundamental liability doctrine under Art. 41 OR requires four cumulative conditions: 1. Financial or bodily damage (Schaden), 2. An unlawful act violating an absolute right or protective norm (Widerrechtlichkeit), 3. An adequate causal relationship between the act and damage (Kausalzusammenhang), and 4. Subjective fault through intent or negligence (Verschulden).

About the Versicherungsfachmann BP Exam

The Swiss Federal Professional Examination (Berufsprüfung) for Versicherungsfachmann / Versicherungsfachfrau leads to the federally recognised eidgenössischer Fachausweis / Brevet fédéral. Awarded by the VBV under the supervision of the State Secretariat for Education, Research and Innovation (SBFI), this NQF Level 5 qualification certifies insurance specialists in Swiss insurance contract law (VVG), supervisory law (VAG/FINMA), insurance economics and management, insurance marketing, the 3-pillar social security system (AHV/IV, BVG, UVG, Pillar 3a/3b), property, technical and transport lines, liability and motor insurance, life and health underwriting, claims management and reinsurance. Note on format and language: the official assessment is held in German, French or Italian and consists of module examinations that mix free-text and closed questions with a federal final examination made up of a 240-minute written case-study paper and a 30-minute oral examination before two experts. This practice bank is an English-language multiple-choice study adaptation built from the official module syllabuses. It is not an official translation, and it does not simulate the written case-study or oral components; it is designed to consolidate the Swiss legal provisions, pension figures, valuation formulas and management concepts those components test.

Assessment

Modular structure under the VBV Prüfungsordnung of 26 September 2008, approved by SBFI. Four compulsory modules (Persönliches Management, Versicherungswirtschaft, Versicherungsrecht, Versicherungsmarketing), three of eleven elective line-of-business modules, and one of four process modules (Underwriting incl. Product Management, Claims and Benefits Handling, Sales and Support, or Broking). Persönliches Management is certified inside the course through attendance, a short presentation and a learning-journal report rather than by examination; the other six modules carry a 120-minute VBV examination. The federal final examination is taken on the chosen process module and has two parts weighted 50% each: a 240-minute written open-book paper, and an oral examination of 30 minutes following 60 minutes of preparation, in which the candidate presents a case for up to 10 minutes and is then questioned by two experts. A revised Prüfungsordnung replacing the final examination with a project work plus presentation and technical interview is scheduled to enter into force on 1 January 2028.

Time Limit

Six module examinations of 120 minutes each, plus a federal final examination of 240 minutes written and 30 minutes oral after 60 minutes of preparation

Passing Score

Overall grade of at least 4.0 on the Swiss 1.0–6.0 scale, in half-grade steps, as the weighted mean of the written and oral parts (50% each)

Exam Fee

CHF 4,150 in VBV examination fees (six module examinations at CHF 550 each plus CHF 850 for the federal final examination), within a total programme cost of CHF 17,760 including course fees and excluding teaching materials (Berufsbildungsverband der Versicherungswirtschaft (VBV / AFA), supervised by SBFI)

Versicherungsfachmann BP Exam Content Outline

Compulsory module

Insurance Law & Supervision (Versicherungsrecht)

Swiss Insurance Contract Act (VVG) including the provisions revised in 2022, Insurance Supervision Act (VAG) and AVO, FINMA supervision of insurers and intermediaries, data protection, anti-money laundering, and the tort liability rules of the Code of Obligations.

Compulsory module

Insurance Economics & Management (Versicherungswirtschaft)

Environment and stakeholder analysis, process landscapes and process management, strategy and value-based steering, the insurer's income statement and balance sheet, solvency and profitability measurement, asset and portfolio management, enterprise risk management, and reinsurance.

Compulsory module

Insurance Marketing (Versicherungsmarketing)

Marketing concept, market analysis and diagnosis (PESTEL, SWOT, market metrics), market research, growth strategies after Ansoff, segmentation and CRM, positioning and branding, the service marketing mix, and the communication mix including push and pull.

Elective module (3 of 11 chosen)

Social Insurance & Occupational Pensions (AHV/IV, UVG, Kranken)

Constitutional 3-pillar framework, 1st pillar (AHV/IV/EO/EL), 2nd pillar occupational pensions (BVG/FZG), mandatory accident insurance (UVG), daily sickness benefits (KTG), Pillar 3a/3b, and benefit coordination under the ATSG.

Elective module (3 of 11 chosen)

Property, Technical & Transport Lines (Sachversicherung)

Fire and natural perils, cantonal building insurance monopolies (KGV), water damage, burglary and theft, business interruption (Ertragsausfall), machinery and electronics cover, construction, transport and cargo, cyber, valuation and under-insurance rules.

Elective module (3 of 11 chosen)

Liability, Motor & Financial Loss Lines (Vermögensversicherung)

Personal and commercial liability, product liability under the PrHG, environmental and neighbour liability, D&O and professional indemnity for pure financial loss, motor third-party liability under the SVG, and Kasko cover.

Process module — subject of the federal final examination

Life, Health, Underwriting & Claims (Prozessmodul)

Individual and group life products, KVG basic versus VVG supplementary health, risk assessment and underwriting decisions, reinsurance structures, claims handling and recourse, and broking mandates. Candidates choose one of four process modules: Underwriting and Product Management, Sales and Support, Claims and Benefits Handling, or Broking.

How to Pass the Versicherungsfachmann BP Exam

What You Need to Know

Passing score: Overall grade of at least 4.0 on the Swiss 1.0–6.0 scale, in half-grade steps, as the weighted mean of the written and oral parts (50% each)
Assessment: Modular structure under the VBV Prüfungsordnung of 26 September 2008, approved by SBFI. Four compulsory modules (Persönliches Management, Versicherungswirtschaft, Versicherungsrecht, Versicherungsmarketing), three of eleven elective line-of-business modules, and one of four process modules (Underwriting incl. Product Management, Claims and Benefits Handling, Sales and Support, or Broking). Persönliches Management is certified inside the course through attendance, a short presentation and a learning-journal report rather than by examination; the other six modules carry a 120-minute VBV examination. The federal final examination is taken on the chosen process module and has two parts weighted 50% each: a 240-minute written open-book paper, and an oral examination of 30 minutes following 60 minutes of preparation, in which the candidate presents a case for up to 10 minutes and is then questioned by two experts. A revised Prüfungsordnung replacing the final examination with a project work plus presentation and technical interview is scheduled to enter into force on 1 January 2028.
Time limit: Six module examinations of 120 minutes each, plus a federal final examination of 240 minutes written and 30 minutes oral after 60 minutes of preparation
Exam fee: CHF 4,150 in VBV examination fees (six module examinations at CHF 550 each plus CHF 850 for the federal final examination), within a total programme cost of CHF 17,760 including course fees and excluding teaching materials

Keys to Passing

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Versicherungsfachmann BP Study Tips from Top Performers

1Work from the current VVG numbering, because the 2022 revision moved several classic provisions: multiple insurance is now Art. 46b and 46c, under-insurance is Art. 51a Abs. 2, and the insurer's subrogation is Art. 95c. Older textbooks still cite the repealed Art. 53, 69 and 72.

2Know the core VVG deadlines cold: 14-day revocation right (Art. 2a), 4 weeks to terminate for breach of the duty of disclosure with the causality counter-proof in Art. 6 Abs. 3, the 14-day payment reminder in Art. 20, withdrawal on partial loss in Art. 42, ordinary termination after three years in Art. 35a, and the 5-year limitation period in Art. 46 (2 years for collective daily sickness benefits).

3Memorise the 2026 social insurance figures, which are unchanged from 2025: maximum AHV pension CHF 30,240, BVG entry threshold CHF 22,680, coordination deduction CHF 26,460, upper limit CHF 90,720, coordinated salary CHF 3,780 to CHF 64,260, conversion rate 6.8%, minimum interest rate 1.25%, Pillar 3a CHF 7,258 with a pension fund and CHF 36,288 without, and the UVG ceiling of CHF 148,200.

4Use the linear disability pension system introduced on 1 January 2022 (Art. 28b IVG, Art. 24a BVG): entitlement from 40%, a graduated scale from 25% to 47.5% between 40% and 49%, the pension percentage equal to the degree between 50% and 69%, and a full pension from 70%. The old quarter/half/three-quarters model applies only to grandfathered pensions.

5Practice the property valuation formulas: replacement value (Neuwert) versus actual cash value (Zeitwert), first-loss cover (Erstes Risiko), and the proportional under-insurance formula, including how an Unterversicherungsverzicht with a tolerance threshold behaves once the threshold is exceeded.

6Distinguish simple causal liability with an exculpatory proof (OR 55 employer, OR 56 animal keeper) from strict hazard liability with none (OR 58 building owner, SVG 58 motor keeper, USG 59a environmental, PrHG product liability with its CHF 900 property-damage deductible).

7Cover the compulsory management modules as well as the lines of business: the combined ratio and the insurer's income statement, process landscapes, asset-liability management and the risk management process from Versicherungswirtschaft, and PESTEL, Ansoff, segmentation, positioning, the service marketing mix and push/pull communication from Versicherungsmarketing.

8Practise applying reinsurance mechanics numerically: quota share, surplus with lines and retention, per-risk and catastrophe excess of loss, and stop loss on the annual loss ratio.

Frequently Asked Questions

What is the Versicherungsfachmann / Versicherungsfachfrau mit eidgenössischem Fachausweis?

It is a Swiss Federal Diploma of Higher Vocational Education and Training (Berufsprüfung / Brevet fédéral) accredited by the State Secretariat for Education, Research and Innovation (SBFI) and administered by the Berufsbildungsverband der Versicherungswirtschaft (VBV / AFA). It qualifies insurance professionals for specialized technical roles and middle-management responsibilities in underwriting, sales management, claims management, and broking.

What are the admission requirements for the Swiss Federal Examination?

The VBV publishes three routes. Route 1: a Federal VET Certificate (EFZ) as Kauffrau/Kaufmann in private insurance, or the Young Insurance Professional VBV certificate, plus at least 2 years of professional experience in insurance. Route 2: an EFZ from another three-year apprenticeship or a Matura, plus the written VBV intermediary examination (Versicherungsvermittler VBV) and at least 3 years of insurance experience. Route 3: another basic education, plus the VBV intermediary examination and at least 5 years of professional experience, of which 3 must be in insurance. All routes additionally require the module certificates.

How is the official Swiss Federal Exam structured?

Candidates first complete four compulsory modules (Persönliches Management, Versicherungswirtschaft, Versicherungsrecht, Versicherungsmarketing), three of eleven elective line-of-business modules, and one of four process modules: Underwriting incl. Product Management, Claims and Benefits Handling, Sales and Support, or Broking. Six of those modules end in a 120-minute VBV examination; Persönliches Management is certified in-course through 80% attendance, a short presentation and a learning-journal report. The federal final examination is then taken on the chosen process module and has two equally weighted parts: a 240-minute written open-book paper of technical questions and case studies, and a 30-minute oral examination for which the candidate receives a case 60 minutes beforehand, presents solutions for up to 10 minutes and is questioned by two experts for roughly 20 minutes.

What is the passing score for the Federal Examination?

Grades run from 1.0 to 6.0 in half-grade steps, and 4.0 or above is sufficient. The written and oral parts each count 50%, and the final examination is passed when the resulting overall grade is at least 4.0. Candidates who fail may repeat the examination twice.

Is the examination changing?

Yes. A revised Prüfungsordnung has been drawn up as part of the VBV's total revision of this qualification. It replaces the written and oral final examination with a project work plus a presentation and technical interview lasting 50 minutes, and it restructures the modules into a core module and one of four specialisation modules. That regulation is scheduled to enter into force on 1 January 2028, the 2008 regulation is repealed on 31 December 2027, and candidates repeating under the old regulation have until 31 December 2030. Anyone sitting in 2026 or 2027 is examined under the 2008 regulation described above.

Are federal subsidies available for preparatory courses?

Yes. Under the SBFI federal financial contribution scheme (Bundesbeiträge für vorbereitende Kurse), the Swiss Confederation reimburses 50% of eligible preparatory course tuition fees (up to a maximum of CHF 9,500 for a Berufsprüfung) once the candidate sits the official federal examination, regardless of the pass/fail outcome.

Why is this practice question bank in English?

The official examination is administered only in German, French or Italian, and its module papers mix free-text with closed questions while the final examination uses written case studies and an oral defence. This bank is an English-language single-choice study adaptation of the official module syllabuses, not an official translation and not a format simulation. It is intended to help candidates, including those who study in English, consolidate Swiss insurance law (VVG/VAG), 3-pillar figures and calculations, property and liability principles, insurance management and marketing concepts, and underwriting standards. German and French technical terms are retained throughout so that the concepts map directly onto the official material.