Essential Guides & Institutional Dossiers on Switzerland
Authoritative, fact-checked reference guides for residents, families, professionals, and expats in Switzerland: LAMal/KVG health insurance, AHV/BVG/3a pensions, cantonal taxes, housing, transport, and federal governance.
Swiss Health Insurance (LAMal / KVG): Deductibles, Managed-Care Models, Switching and Subsidies
Complete guide to Swiss LAMal/KVG health insurance: CHF 300 vs 2,500 deductibles, 10% co-pay caps, Telmed/HMO models, 30 November switching and subsidies.
The Swiss Pension System Explained: Complete Guide to the 3 Pillars (AHV/AVS, BVG/LPP & 3rd Pillar)
Guide to the Swiss three-pillar pension system: OASI/AHV and the 13th pension, BVG/LPP occupational funds, conversion rates, 3rd pillar and pension gaps.
Swiss Third Pillar (3a & 3b) Guide: Contribution Caps, Tax Deductions, Funds, Buy-Ins & Early Exit
Complete guide to Swiss Pillar 3a and 3b: annual caps (BVG & 20% self-employed), tax deductions, 3a funds vs cash accounts, retroactive buy-ins and exit.
Swiss Mortgages Explained: SARON vs Fixed-Rate Loans, SNB Policy Rates & 1st/2nd Rank Rules
Complete guide to Swiss mortgages: SARON vs fixed-rate loans (2, 5, 10 years), SNB policy rate impact, 1st & 2nd rank amortization, and tranche pitfalls.
Swiss Residence and Work Permits (B, C, L & G): Complete Guide to SEM Rules, Registration & Taxes
Complete guide to Swiss residence and work permits (B, C, L & G): EU/EFTA vs non-EU rules, 14-day municipal registration, cantonal moves and source tax.
Taxation of Cross-Border Workers in Switzerland: Italy Agreement, Remote Work Limits and Border Regimes
Complete guide to cross-border worker taxation in Switzerland: old vs new Italy-Switzerland rules, 25% and 40% remote work caps, and French and German regimes.
Swiss 35% Withholding Tax and Tax Returns: Refunds, Three Tax Tiers and the 120,000 CHF Rule
Understand Switzerland's 35% Verrechnungssteuer refund, three-tier federal-cantonal-municipal taxes, B-permit ordinary assessment at 120,000 CHF, and deductions.
Cost of Living, Rents and Inflation in Switzerland: CPI Basket, Reference Rate and Purchasing Power
Guide to Switzerland's cost of living: low CPI inflation, strong CHF, federal mortgage reference rate rent rules, Nebenkosten, and regional purchasing power.
Swiss Labor Market, Salaries and Artificial Intelligence: Employment Law, Benchmarks and Skills Gap
Complete guide to the Swiss labor market: flexible CO employment law, collective agreements, median salaries by sector, generative AI impact, and skills shortages.
The Swiss Political System and Direct Democracy: Federal Council, Parliament, Initiatives and Referendums
How Swiss politics works: three-tier federalism, the 7-member Federal Council and magic formula, bicameral Parliament, popular initiatives, and referendums.
Mobility and Transport in Switzerland: SBB GA, Half-Fare, Regional Passes and Electric Car Costs Explained
Complete guide to Swiss transport and mobility: SBB GA vs Half-Fare break-even math, Halbtax PLUS, regional passes, CHF 40 e-vignette, and EV tax rules.
Buying Property in Switzerland: 20% Equity Rules, 5% Affordability Test, Amortization and Lex Koller
Buying property in Switzerland explained: FINMA 20% equity and 10% hard-equity rules, 5% mortgage affordability test, amortization, tax reform, and Lex Koller.
Digital Security and Data Protection in Switzerland: The Revised FADP (nLPD) and Scam Prevention Guide
Digital security and Swiss data protection (FADP/nLPD): resident privacy rights, FDPIC oversight, and NCSC/BACS defences against TWINT, QR-bill and phone scams.
Healthcare and Emergency Care in Switzerland: GPs, Telmed, Permanence Clinics, ER (144) and UVG Rules
Swiss healthcare and emergency pathways: Telmed rules, TARMED/TARDOC costs across GPs, Permanence clinics and hospital ER (144), plus UVG accident insurance.
Studying and Vocational Education in Switzerland: The Dual VET System, UAS Degrees, ETH Zurich and EPFL
Studying and vocational education in Switzerland: paid dual-track VET apprenticeships (EFZ/CFC), UAS degrees, ETH Zurich, EPFL, cantonal universities and fees.