Your independent insurance broker.
md GmbH is an insurance broker operating in the national and international insurance market.
md GmbH
Services
On a mandate basis, we professionally manage your entire insurance portfolio comprehensively. In all areas of insurance, we will fully represent you to all insurance companies and pension funds. We continuously analyse your insurance situation, enabling us to provide tailored and market-appropriate solutions consistently.
Furthermore, we assist you with insurance-related inquiries during business acquisitions (Due Diligence).
Insurance Administration
md GmbH assumes responsibility for all insurance-related administrative tasks incl. Pension fund mutations.
Range of services
md GmbH provides comprehensive management of insurance policies all under one roof.
Claims management
md GmbH handles the entire claims settlement process.
Concept
md GmbH develops a meaningful insurance concept for you and implements it together with you.
Risk Management
md GmbH conducts a risk and needs analysis, thereby deriving a comprehensive action plan.
Insurance and pension funds
Accident
Insurance
Daily sickness allowance
Insurance (KTG)
Occupational
Pension plan BVG
incl. Reinsurance for pension funds
Public liability
Insurance
Professional indemnity
Insurance (PI)
Directors' and officers' liability
Insurance (D&O)
Fidelity
Insurance (Crime)
Cyber
Insurance
Legal protection
Insurance
Property
Insurance
Property
Insurance
Building liability
Insurance
Technical
Insurance
Construction
Insurance
Transportation
Insurance
Travel
Insurance
Keyperson
Insurance
Motor vehicle/fleet
Insurance
Event
Insurance
International
Insurance
...and other insurance solutions
Mission Statement
Clients
Satisfied clients are our most important asset. You motivate us to improve our expertise and service-oriented mindset continuously. We offer our clients personalised, efficient, and unbiased services through our independence.
Our Company
md GmbH is a company that places the client and their needs at the centre. Reliability, confidentiality and high service quality distinguish our small, efficient, and strong team.
Our company is an independent insurance broker recognized by the
Swiss Financial Market Supervisory Authority FINMA.
Team
Our team stands out for its high expertise and extensive experience in the insurance industry. Continuous professional development is the foundation for trust, competence, and ongoing innovation.
Gabriele Marco Masciorini
Founding partner
Head of mandate
FINMA register: F01364565
Cicero Member ID: 27847
Professional career
- Since 2007, insurance broker and managing partner at md GmbH.
- since 2008, principal expert and textbook author for group life insurance (BVG) at VBV (Vocational Training Association of the Insurance Industry) in Bern.
- since 2008, lecturer for collective insurance at AKAD, Zurich
- 1991-2006 project manager and head of various departments in individual life insurance business, employee benefits consultant in the pension fund sector, and different other roles, including an apprenticeship at Winterthur (AXA Winterthur)
Education and Training
- 2001-2005 Bachelor of Business Administration, Bern University of Applied Sciences (part-time)
- 1998-2000 Private insurance specialist with federal certificate of proficiency.
Tenzin Dorjee
Founding partner
Head of mandate
FINMA register: F01364840
Cicero Member ID: 30503
- Since 2007, insurance broker and managing partner at md GmbH.
- since 2010, examination expert for individual and collective life insurance (BVG) at VBV (Professional Training Association of the Insurance Industry), Bern
- 1993-2006 Case Assessor Complex Claims Management, Head of Benefits German-CH/TI and various other functions including including an apprenticeship at Winterthur (AXA Winterthur)
- 1996-2000 Business Economist HWV, Zurich University of Applied Sciences (part-time)
Claudia Sommer
Client advisor
- since 11.2022 Client advisor (md GmbH)
- 2018-2022 Employee Corporate Business Department (Helsana Versicherungen AG)
- 2015-2018 Executive Assistant (ITS Treuhand AG)
- 2012-2015 Employee Competence Center Broker and Partner (Helsana Versicherungen AG)
- 2007-2012
Insurance technology specialist (SWICA Krankenversicherungen AG) - 2002-2007
Employee legal debt collection (Zurich Insurance Company Ltd) - 2001-2002 Office Administrator (MBA AG)
- 2002-2022 Various internal company-specific courses in the field of personal and social insurance
- 1997-2001 Commercial Apprenticeship, KV Zürich Business School
Business Partners
In addition to our network, we have established valuable partnerships over the years. We maintain regular communication with these partners and leverage mutual synergies.
Colunas Treuhand AG
HC Solutions AG
Lawyer and notary Alexander Eckenstein
Kroll Strategie-Beratung GmbH
Duty of the insurance broker to provide information pursuant to Art. 45 ISA
In accordance with the Insurance Supervision Act (VAG), md GmbH, as an independent insurance broker, is obliged to inform customers of the following when they first contact us:
Unbound insurance intermediary (Art. 40 and Art. 45 para. 1 lit. a and b ISA)
md GmbH (hereinafter referred to as the insurance broker) is an independent and unaffiliated insurance intermediary within the meaning of Art. 40 ISA and is entered in the register of the Swiss Financial Market Supervisory Authority FINMA under FINMA number F01164668.
The insurance broker is subject to the fiduciary duty of his clients and acts in their interests.
The registered office of the insurance broker is located at the following address:
Obertor 35
8400 Winterthur
The mandate managers actively working for md GmbH (insurance intermediaries within the meaning of the VAG) are published under “Team” with their FINMA registration number.
Training and further education of mandate managers (Art. 45 para. 1 lit. c ISA)
The mandate managers have the necessary skills and knowledge to carry out their activities and are obliged to undergo training and further training in accordance with Article 43 ISA.
Information on the status of training and further education can be found under the heading “Training/further education” for the relevant person.
Data protection (Art. 45 para. 1 lit. e ISA)
md GmbH endeavors to protect the integrity of its clients’ digital data to the best of its ability. The valid and detailed privacy policy is published under the heading “Legal information” and is publicly accessible.
Avoidance of conflicts of interest (Art. 45a ISA)
The insurance broker shall take all precautions to prevent conflicts of interest and undertakes to inform the client if this cannot be avoided despite all measures taken.
Information on compensation (Art. 45b ISA; Art. 53a BVG and 48k BVV 2)
md GmbH receives compensation from insurance companies or other third parties.
In principle, it does not receive any one-off commissions for the conclusion of insurance contracts and/or affiliation to a pension fund within the meaning of the BVG. On the other hand, it receives an annually recurring remuneration in the form of a brokerage fee for brokered insurance policies/contracts or when taking on mandates for existing insurance policies/contracts.
The separate compensation tables are disclosed at the initial contact.
The acceptance of additional volume-, growth- or claims-based compensation is prohibited.
Cooperation/contractual relationship with insurance companies, pension funds and networks
md GmbH is not affiliated financially, legally or in any other way with an insurance company, pension fund or network. The following cooperations exist:
AIG ● Allianz Global Assistance ● Allianz Collective Foundations ● Allianz ● Allianz Worldwide Care ● ASN ● AXA ● AXA ARAG ● AXA Collective Foundations ● AXA XL ● Baloise ● Baloise Collective Foundation ● CAP ● Chubb ● Columna Collective foundations ● Coop Rechtsschutz ● CSS ● Elips Life ● finpension ● Fortuna ● Gemini Collective foundations ● Generali ● Groupe Mutuel ● HDI Gerling ● Helsana ● Helvetia ● Helvetia Collective foundations ● Hotela ● innova ● Liberty Mutual ● Mobiliar ● Nest Collective Foundation ● Orion ● PAX ● PAX Collective Foundations ● Profond Pension Fund ● Pens Expert/PensFree ● PensFlex/Independent/PensUnit ● Protekta ● Ptv ● Servisa Collective Foundations ● Solida ● Swica ● Strategic Alliances ● Swiss Life ● Swiss Life Collective Foundations ● TSM ● Transparenta Collective Foundations ● Trikolon Collective Foundation ● Vaudoise/Epona ● Visana ● Vita Collective Foundations ● W.R. Berkley Europe AG ● WTW Broker Network ● Zurich