Are you thinking about moving to Switzerland? It is a step more and more people are taking, simply because Switzerland has so much to offer. We make sure you look back on this new beginning in your life fondly. Because with us you have the right partner at your side - one who has thought of every insurance policy, clarification and contract you will need.
Get to know our team!
With our starter offer you receive an all-round package for your new beginning in Switzerland. We do not just offer insurance, we think along with you and, above all, ahead: in your new home you will also need internet and a bank account, and you will have to deal with other central questions such as retirement provision and protecting your family. Our professional, independent advisers take their time, listen closely and put together a package tailored to your wishes. We compare the market and show you the solutions that are best for you.
Save yourself the stress of reading your way through countless websites on immigration matters. Simply call us, write to us or drop in for a coffee in Zurich. You lose no precious time and save money into the bargain. Sit back and enjoy the good feeling of being in the best hands.
Once the decision has been made, your emigration needs careful planning.
The first essential is that you have a job in Switzerland. That is the basic requirement for being allowed to live in Switzerland. Everything else can usually be organised. We will help you do it.
To be allowed to live in Switzerland you need an employment contract. So that is the first thing to take care of, even before you start planning your move to Switzerland. Here you will find information on the usual salaries in the most sought-after occupations in Switzerland. Our advisers will also help you with your job applications.
Depending on whether you want to move to the countryside or to the city, you should start looking for a flat early enough. Switzerland has a number of property portals. There you will find a wide selection of flats. Be patient. In the Zurich region in particular, flats are in high demand. A viewing is customary, and it gives you the chance to ask questions. If you are interested, you can apply for the flat using the relevant form. Declare any pets from the outset, because pets are not welcome everywhere. On the whole you can look forward to a high standard of fittings. But in all your excitement, do not forget to give notice on your current flat in good time.
This may be a small disadvantage, but it should not go unmentioned: in Switzerland dental cover counts as supplementary insurance. So go to your dentist one last time before you tell them you are leaving. In Switzerland you have the option of taking out supplementary dental insurance, though it often comes at a higher cost. We help you and make sure the value for money is right.
If you are moving to Switzerland with children, you should ideally consider where the right schools are while you are still looking for a flat. Here you will also find general information on the Swiss education system. Register your children in good time.
No matter how much of your furniture or your belongings in general you want to take to Switzerland, plan your move carefully. There are many removal companies that specialise in moves to Switzerland. Import and customs regulations in particular have to be taken into account - especially for cars and pets. We are happy to help you choose the right company.
Do not forget to deregister everywhere so that no unnecessary costs arise. Give notice on your flat in good time. Inform the residents' registration office, the tax office, the family benefits office, the vehicle licensing authority and other bodies such as the social welfare office, the pension insurance provider, etc.
Congratulations! A big step is behind you.
A few things still need doing, and we are happy to support you with them.
We have listed the most important points here.
In most municipalities you have to register in person. There are exceptions, however, so it is best to check your municipality's website. After entering the country, EU citizens have 14 days to register with their municipality and - if they do not already have one - to apply for a residence permit. The following documents are required from every family member:
If you have a dog, it must be registered with the municipality as well.
See to the insurance policies you need quickly, so that no valuable time is lost and no loss occurs that you are not insured against. Costs in Switzerland can rise enormously in no time. The most important policies are:
Other policies that are good to have and that many residents of Switzerland do have:
Our advisers will help you choose the insurance policies tailored to your needs and can offer attractive terms thanks to our partnerships.
After moving, you have three months to join one of Switzerland's roughly 55 health insurers. This applies to every family member involved. Taking out health insurance is compulsory, because the place-of-residence principle applies. Switzerland's health insurance system is highly complex. Here you will find all the information you need to get an overview. Depending on your place of residence, your age, your choice of health insurer and the mix of additional benefits, the premium varies considerably. We help you find the right offer for you and support you in taking out health insurance.
Retirement provision in Switzerland is a very important, but also complex subject. It is based on what is known as the three-pillar system: state, occupational and private provision. Here you will find all the information you need for an overview of the Swiss pension system. As a rule, the first two pillars are not enough in retirement to maintain your standard of living. That is why the third (private) pillar is so enormously important. Fortunately it also brings many tax advantages well before retirement age, which we will gladly explain to you in detail. We will also help you work out, on the basis of your salary and your circumstances, how much you need to save for old age so that no pension gap arises. And so that you can enjoy your life in Switzerland to the full, free of worries, for decades to come.
Depending on what your plans in Switzerland look like and on whether your partner is in work or not, it can be important to secure your family financially. You never know what life will bring, good or bad. With disability and/or death benefit insurance you can at least protect your family from serious financial problems and enable them to stay in Switzerland should something happen to you. Our experts will show you the options open to you.
If you want to bring your car to Switzerland, it must be declared at customs without being asked. After that you have one year to register it with the responsible road traffic office. If the car has been in your possession for more than six months, it counts as removal goods and no charges apply. The following documents must be presented in person at the road traffic office:
Your car is then given a technical inspection (motor vehicle test), which decides whether it is still permitted on Swiss roads. And before you set off on the Swiss motorway - remember the Swiss motorway vignette, which you can buy at any petrol station or post office.
What would life be without a mobile phone and the internet? Find out about your options early on, so that when you move to Switzerland you do not have to go without mobile, internet and TV for long - ideally not at all. We support you in choosing the right provider. Thanks to our partnerships you benefit from attractive terms.
In Switzerland you are also obliged to register with Serafe AG if you plan to have a TV connection in your household. With an annual radio and television fee you contribute to public service in the field of electronic media.
After entering the country you have 14 days to register in person with your municipality of residence. For this you need a valid official identity document, proof of health insurance, a passport photo, documents on your marital status, a copy of your employment contract and of the tenancy agreement for your flat in the municipality concerned.
The one policy that is truly mandatory is Swiss health insurance, which you must take out within three months of arrival at the latest. If you own a car, you must insure it in Switzerland. Personal liability and household contents insurance are not compulsory, but strongly recommended, because a serious uninsured loss can lead to financial ruin.
Retirement provision in Switzerland is based on the three-pillar system. The first pillar is state provision, the second occupational provision and the third private provision. For anyone in employment, the first two pillars are covered through the employer. In most cases, however, these pillars are not enough in old age to maintain your accustomed standard of living. Private provision lets you close this pension gap.
Saving money in Switzerland is not easy, but it is possible. One major item is certainly health insurance. Compare the various offers, because prices vary considerably from provider to provider. There is savings potential in the various property insurance policies too, if you compare the offers. A pillar 3a pension plan lets you save on tax. If you opt for a flat in the countryside, you can save several hundred francs a month. In the city, especially in Zurich and Basel, a flat can be very expensive.
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