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Circular 2010/3 on health insurance under the VVG contains several thresholds. In its previous practice, FINMA assumed abuse had occurred whenever these thresholds were exceeded. The Federal Supreme Court rejected this practice in a recent ruling from 2026. According to this ruling, FINMA must always, by analogy, carry out an assessment of abuse with reference to the specific insurance product in accordance with article 117 AVO. Merely exceeding a fixed threshold does not constitute a valid criterion for determining abuse. FINMA may no longer reject applications for premiums or premium increases on the sole ground that a threshold set out in Circular 2010/3 has been exceeded.

We are pleased to welcome three law students as summer interns at our law firm this summer. They will gain firsthand insight into the day-to-day work of a business law firm and learn about various areas of law and career paths. Andrin Bischof, Anina Boll, and Sophia Irini Meier — a warm welcome to you all!

We are delighted to welcome Maeve Romano as a new attorney at RUOSS VÖGELE.

RUOSS VÖGELE successfully represented a Swiss holding company in a complex dispute involving several group companies and their indirect owners. The claimant shareholder initiated multiple parallel proceedings, including two interim relief proceedings as well as an application for court-ordered organisational measures under art. 731b of the Swiss Code of Obligations, which the competent district court recently dismissed in full. Practice area: litigation

The Federal Act on the Transparency of Legal Entities and the Identification of Beneficial Owners (TJPG) establishes a central federal register of beneficial owners (UBO Register) and replaces the previous obligation for companies to maintain internal lists under Article 697j et seq. of the Swiss Code of Obligations (OR). The TJPG and the TJPV will come into force on 1 October 2026.

Where financial service providers (in particular those subject to the Financial Services Act (FIDLEG), as well as insurance companies and insurance intermediaries subject to the Insurance Act (VAG)) are plaintiffs or defendants in civil proceedings, the court must often take supervisory law into account alongside private law when reaching its decision. This can be relevant in civil proceedings in various ways. It may be taken into account by the court in the context of the judicial assessment of evidence, the interpretation of contracts in accordance with the law, or the systematic interpretation of the law.

RUOSS VÖGELE advises the buyer of a Bombardier Global Express XRS aircraft. The mandate includes negotiating the aircraft purchase agreement for the aircraft, supervising the sales process and coordinating registration aspects. Practice area: aircraft transactions

We are proud to announce that RUOSS VÖGELE once again has been recognized as one of Switzerland’s leading business law firms in the 2026 rankings of BILANZ and PME magazines. We strengthened our position even further, being recommended in 15 practice areas – three more than last year. Top-rated (5 out of 5 stars): Corporate Law, Mergers & Acquisitions, Real Estate Law, General Contract Law, Litigation & Procedural Law, Media Law, Insurance Law. Highly rated (4 out of 5 stars): Private Equity & Venture Capital, Inheritance & Estate Law, Employment Law (employer-side), Tenancy Law, Compliance, Antitrust & Competition Law, Banking & Capital Markets Law, Restructuring / Insolvency Law. We are also recognized as a top law firm in the aviation industry (5 out of 5 stars). These results reflect our commitment to handling complex mandates with clarity, efficiency and commercial insight. We sincerely thank our clients for their trust.

We are pleased to welcome Gudrun Österreicher and Daniel Tobler as new partners, along with their associates Jessica Meier and Kim Baier, to our firm as of April 1, 2026.

RUOSS VÖGELE is advising a service provider on its internal reorganization. The restructuring simplifies the company’s structure and results in the merger of legal entities. The mandate includes drafting the necessary contracts, preparing corporate resolutions and administrative filings.

How far may relationship-building go in business dealings? – Prof. Dr. Damian A. Fischer, LL.M. will once again serve as conference chair, speaker, and moderator of the expert conference «Conflicts of Interest: Law & Best Practice IV», being part of the renowned seminar series organized by the Europa Institute at the University of Zurich. The event will take place on September 29, 2026, at the Metropol Zurich and is dedicated this year to the overarching theme «Anti-Corruption Compliance in Companies – How Far May Relationship-Building Go?» The event offers in-depth insight into the relevant topics of anti-corruption compliance, with many thought-provoking ideas for corporate practice.

We are pleased to welcome Marc Probst as a new partner at RUOSS VÖGELE as of February 1, 2026.

RUOSS VÖGELE advises investor on establishing the investment structure and the investment in company in the technology sector. We advised on structuring governance aspects, the investment agreement, the shareholders’ agreement and other commercial agreements (loan and licence agreements).

Next Generation – Same Excellence: Martina Kümmerli and Philip Horber are joining the RUOSS VÖGELE-team as new partners. We warmly welcome them and wish them all the best in their new roles.

We are pleased to welcome Nicolas Eckert as a new attorney at RUOSS VÖGELE as of January 1, 2026.

RUOSS VÖGELE advises the seller of a Bombardier Challenger 650 aircraft. The mandate includes negotiating the purchase agreement, supervising the sales process and coordinating customs formalities and aircraft deregistration. Practice area: aircraft transactions

Oscar Amstad acts as executor of the estate of a testator residing in Geneva with several properties in German- and French-speaking Switzerland and assets in Switzerland and abroad. In addition to implementing the testator's wishes in connection with the preparation and execution of the distribution of the estate and the payment of legacies, the advice also includes the transfer of the properties to the surviving spouse and correspondence with various probate authorities. In addition, RUOSS VÖGELE advises the heirs on the offsetting of advance inheritance payments received in the upcoming second estate of the testator's spouse and on the settlement of debts among the heirs. Practice area: inheritance law

RUOSS VÖGELE advises the seller on the sale of a participation in a subsidiary (management buy-out). The advice includes the share purchase agreement and the implementation of a shareholders’ agreement, as well as the coordination of cross-border legal issues.

We are looking for an attorney (80-100%) in the areas of corporate, M&A, and contract law.

Intermediaries and product suppliers may encounter conflicts of interest in the course of their business activities arising from contractual safeguarding of interests or statutory protection of interests. Supervision laws regularly contain rules on how to deal with conflicts of interest. In this context, intermediaries and product suppliers must avoid conflicts of interest at the expense of policyholders or customers as far as possible.

RUOSS VÖGELE advises a Swiss business aviation company on the purchase of a Pilatus PC-24 from a foreign company. The engagement included drafting the aircraft purchase agreement and supporting the entire transaction until the aircraft was imported into Switzerland, including a lien release held by a major international bank and registered in the Aruba Title Register before the aircraft could be deregistered in Aruba and registered free of encumbrances in the Swiss Aircraft Register. Practice area: aircraft transactions

In the private insurance business, rate and premium increases are only permitted to a limited extent for reasons of policyholder protection. Insurance companies must comply with supervisory and private law requirements when increasing rates and premiums.

RUOSS VÖGELE is advising the buyer of a new private aircraft from the US manufacturer Textron Aviation Inc. The firm's services include negotiating the purchase agreement and management agreements, supporting the closing of the transaction, setting up a holding structure and registering the aircraft. Practice area: aircraft transactions

Prof. Dr. Damian A. Fischer will also this year be conference chair, speaker and moderator of the specialist conference «Conflicts of Interest: Law & Best Practice – Distribution of Financial and Insurance Products» on September 30, 2025, as part of the renowned seminar series organized by the Europa Institute at the University of Zurich. The conference will feature various presentations and a panel discussion highlighting and discussing current issues in dealing with conflicts of interest in the distribution of financial and insurance products.

RUOSS VÖGELE advises a Swiss technology company on the sale of a majority stake in an innovative cleantech business unit to a listed company. The advice covers both the sale and the establishment of a joint venture with the buyer in relation to the minority stake remaining with the technology company. Practice area: M&A

RUOSS VÖGELE assisted a communications agency in transitioning its legal structure. This involved a capital increase, a split of the shareholdings, and a subsequent conversion. As part of the project, the articles of association were adapted to current technical possibilities, a suitable shareholder agreement was drawn up, and appropriate organizational regulations were formulated. The agency's strategic restructuring has resulted in more streamlined structures, positioning it for long-term success.

RUOSS VÖGELE provides comprehensive advice to a client on estate planning. The advice covers the transfer of assets, the allocation of legacies and the preparation of legally valid inheritance documents. Practice area: estate planning and company succession

RUOSS VÖGELE provided comprehensive legal support to a successful entrepreneur in the acquisition of an exclusive villa with grounds on Zurich's Gold Coast. Our work included conducting due diligence on the property, drafting and negotiating the purchase agreement, ensuring the transfer of ownership in the land register, and advising on financing issues. Our lawyers, experienced in real estate law, were involved from the start. They efficiently executed the complex transaction, allowing the buyer to take possession of his new home without any worries.

RUOSS VÖGELE advises a bank on the financing of a business jet manufactured by the US manufacturer Textron Aviation Inc. The mandate includes drafting the financing agreement and the related security agreements as well as providing legal advice in connection with the registration of the business jet and the registration of an aircraft mortgage. Practice area: aircraft transactions

Pascale Gola, partner of RUOSS VÖGELE, was newly elected by the Swiss Sports Tribunal as an arbitrator. The Swiss Sports Tribunal was established by Swiss Olympic on 1 July 2024 and serves as the successor of the former Disciplinary Chamber. It is competent for the decision of disputes and the sanctioning in connection with doping and ethic violations in the field of Swiss sports.