Key points at a glance
This information page is aimed at people living in Stein (roughly 1’429 residents (postal code 9063)), in the canton of Appenzell Ausserrhoden, who want to organise their insurance, tax matters and cover in line with Swiss law. Assur-IA supports households and the self-employed with a clear treatment of "Assurance voyage, annulation et protection à l’étranger" — premiums, deductibles, deductions and responsibilities — without replacing individual tax or legal advice.
In Switzerland some rules are cantonal (tax rates, deductions, allowances), others federal (LAMal, federal law). In Stein, your actual circumstances — renting or owning, employment status, household size, vehicles, cross-border income — therefore shape risk and priorities far more than the postal code. The nearest municipalities — Hundwil (2 km), Teufen (4 km), Schlatt-Haslen (4 km) — each have their own local page as well. The sections below list the key points to check.
Stein at a glance: your local context
Stein, a municipality of roughly 1’429 residents in the canton of Appenzell Ausserrhoden, brings its own local context to "Assurance voyage, annulation et protection à l’étranger". Stein lies in premium region 0 of the canton of Appenzell Ausserrhoden (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 1’429
- Canton: Appenzell Ausserrhoden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9063
- Federal municipality number (BFS): 3005
Assurance voyage, annulation et protection à l’étranger around Stein: compare neighbouring municipalities
Living or working near Stein? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Assurance voyage, annulation et protection à l’étranger in Hundwil — 2.1 km away
- Assurance voyage, annulation et protection à l’étranger in Teufen — 3.9 km away
- Assurance voyage, annulation et protection à l’étranger in Schlatt-Haslen — 4.3 km away
- Assurance voyage, annulation et protection à l’étranger in Waldstatt — 4.8 km away
- Assurance voyage, annulation et protection à l’étranger in Gonten — 5.0 km away
- Assurance voyage, annulation et protection à l’étranger in Herisau — 5.1 km away
- Assurance voyage, annulation et protection à l’étranger in Bühler — 5.8 km away
- Assurance voyage, annulation et protection à l’étranger in Saint-Gall — 6.1 km away
- Assurance voyage, annulation et protection à l’étranger in Gaiserwald — 6.5 km away
- Assurance voyage, annulation et protection à l’étranger in Appenzell — 7.0 km away
"Assurance voyage, annulation et protection à l’étranger" in Stein: the key principles
On the topic of "Assurance voyage, annulation et protection à l’étranger", the same legal foundations apply in Stein as in the rest of Switzerland — what counts is how they apply to your specific situation: housing (renting or owning), employment status, household size, vehicles and any cross-border income. Distinguish legal obligations from purely contractual options: not every cover on offer makes sense in your case.
Three steps get you there: an inventory of all contracts and dates, an analysis of gaps and overlaps, then a comparison with concrete offers. Watch the deductibles, limits and exclusions — that is where the quality of a policy is decided. For tax aspects in the canton of Appenzell Ausserrhoden, the official cantonal documents are authoritative.
Points to check for your case
- Distinguish legal obligations from optional cover.
- Read the deductibles, benefit limits and exclusions of each policy.
- Cut double cover — it costs premium without adding value.
- Take cantonal specifics (Appenzell Ausserrhoden) on taxes and procedures into account.
How we work for Stein
Our approach for "Assurance voyage, annulation et protection à l’étranger" in Stein: (1) list your contracts and deadlines in the canton of Appenzell Ausserrhoden; (2) uncover under- and over-insured risks as well as double cover; (3) compare options with concrete figures before you decide. The goal is never to pile up policies, but to align premiums, deductibles and benefits to a deliberately chosen level of risk. The comparison is free and without obligation; Assur-IA works in an educational way and replaces neither the tax authority nor regulated individual advice.
FAQ — insurance in Stein (practical guidance, not legal advice)
Is "Assurance voyage, annulation et protection à l’étranger" also covered for the area around Stein?
Yes. The neighbouring municipalities of Stein, such as Hundwil (2 km), Teufen (4 km), each have their own page on "Assurance voyage, annulation et protection à l’étranger" — handy when you compare several places to live in the canton of Appenzell Ausserrhoden or a move is coming up.
Does this page replace personal advice in Stein?
No, it is for orientation in Stein. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Appenzell Ausserrhoden.
Can I compare "Assurance voyage, annulation et protection à l’étranger" in Stein with no obligation?
Of course. The starting point is your situation in Stein; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.