'%3e%3cpath%20d='M4.354,-61.312L43.083,-61.312L43.083,-54.333L12.646,-54.333L12.646,-36.187L43.083,-36.187L43.083,-29.125L12.646,-29.208L12.646,-15.354L4.354,-15.354L4.354,-61.312ZM4.354,-6.979L43.083,-6.979L43.083,0L4.354,0L4.354,-6.979Z'%20style='fill:rgb(6,0,30);fill-rule:nonzero;'%3e%3c/path%3e%3c/g%3e%3cg%20transform='matrix(1,0,0,1,43.0761,61.396)'%3e%3cpath%20d='M4.354,-61.125L12.646,-61.125L12.646,0.167L4.354,0.167L4.354,-61.125ZM21.021,-6.812L42.479,-6.812L42.479,0.167L21.021,0.167L21.021,-6.812Z'%20style='fill:rgb(6,0,30);fill-rule:nonzero;'%3e%3c/path%3e%3c/g%3e%3cg%20transform='matrix(1,0,0,1,89.8958,61.396)'%3e%3cpath%20d='M4.354,-61.312L43.083,-61.312L43.083,-54.333L12.646,-54.333L12.646,-36.187L43.083,-36.187L43.083,-29.125L12.646,-29.208L12.646,-15.354L4.354,-15.354L4.354,-61.312ZM4.354,-6.979L43.083,-6.979L43.083,0L4.354,0L4.354,-6.979Z'%20style='fill:rgb(6,0,30);fill-rule:nonzero;'%3e%3c/path%3e%3c/g%3e%3cg%20transform='matrix(1,0,0,1,137.326,61.396)'%3e%3cpath%20d='M4.354,-61.396L13,-61.396L36.188,-0.083L27.729,-0.083L4.354,-61.396ZM51.896,-61.396L60.521,-61.396L41.167,-10.562L36.896,-21.708L51.896,-61.396Z'%20style='fill:rgb(6,0,30);fill-rule:nonzero;'%3e%3c/path%3e%3c/g%3e%3cg%20transform='matrix(1,0,0,1,202.106,61.396)'%3e%3cpath%20d='M13,-22.583L51.896,-22.583L60.521,0L51.896,0L46.313,-15.687L18.667,-15.687L13.083,0L4.354,0L13,-22.583ZM27.729,-61.229L37.146,-61.229L49.188,-29.646L41.083,-29.646L32.438,-53.104L23.813,-29.646L15.688,-29.646L27.729,-61.229Z'%20style='fill:rgb(6,0,30);fill-rule:nonzero;'%3e%3c/path%3e%3c/g%3e%3cg%20transform='matrix(1,0,0,1,266.973,61.396)'%3e%3cpath%20d='M12.375,0L4.354,0L4.354,-61.312L15.521,-61.312L34.354,-25.729L34.354,-9.854L12.375,-51.271L12.375,0ZM50.75,0L42.729,0L42.729,-61.312L50.75,-61.312L50.75,0Z'%20style='fill:rgb(6,0,30);fill-rule:nonzero;'%3e%3c/path%3e%3c/g%3e%3cg%20transform='matrix(1,0,0,1,321.989,61.396)'%3e%3cpath%20d='M13,-22.583L51.896,-22.583L60.521,0L51.896,0L46.313,-15.687L18.667,-15.687L13.083,0L4.354,0L13,-22.583ZM27.729,-61.229L37.146,-61.229L49.188,-29.646L41.083,-29.646L32.438,-53.104L23.813,-29.646L15.688,-29.646L27.729,-61.229Z'%20style='fill:rgb(6,0,30);fill-rule:nonzero;'%3e%3c/path%3e%3c/g%3e%3cg%20transform='matrix(1,0,0,1,-58.7385,-211.716)'%3e%3crect%20x='222.833'%20y='213.432'%20width='9'%20height='9'%20style='fill:rgb(226,10,10);'%3e%3c/rect%3e%3c/g%3e%3cg%20transform='matrix(1,0,0,1,-58.7385,-211.716)'%3e%3cpath%20d='M230.047,217.104L228.161,217.104L228.161,215.219L226.505,215.219L226.505,217.104L224.62,217.104L224.62,218.76L226.505,218.76L226.505,220.651L228.161,220.651L228.161,218.76L230.047,218.76L230.047,217.104Z'%20style='fill:white;fill-rule:nonzero;'%3e%3c/path%3e%3c/g%3e%3c/svg%3e)
01
Within your first days
- Register at your local commune
- Obtain your residence permit
- Open a Swiss bank account
- Review your work contract & salary deductions
Premium expat concierge
English · Français · Italiano · Română · Português
Moving to Switzerland? Start right.
A dedicated advisor handles your insurances, pension, tax & residency for your arrival in Switzerland — so you can settle in with confidence from day one.
- Personal onboarding plan within 48h
- English-speaking advisor — confidential and on-call
- Independent broker — zero cost to you
4.9/5· 280+ residents onboarded
FINMA registered
We speak English French Italian Romanian Portuguese
Free Switzerland arrival plan
No commitment.
No commitment.
48h
Onboarding plan
Languages spoken
280+
Expats onboarded
0 CHF
Cost to you
Your first 90 days
A precise sequence — not a guess.
Switzerland rewards those who move fast and correctly. Here is the exact order your advisor walks you through.
02
Within the first 30 days
- Organise Swiss health insurance (LAMal)
- Arrange liability insurance (RC)
- Register your vehicle if necessary
- Review your tax situation
03
Within the first 90 days
- Finalise mandatory health insurance
- Review supplementary insurance options
- Analyse pension contributions
- Identify tax optimisation opportunities
Coverage in Switzerland
Mandatory and strongly recommended.
Switzerland leans heavily on private insurance. Some coverages are legally required, others protect your residency and your assets.
Mandatory
- Swiss health insurance (LAMal)
- Car liability insurance (if owning a vehicle)
- Accident insurance
- AVS / AHV pension contributions
Strongly recommended
- RC liability insurance
- Household insurance
- Legal protection insurance
- Supplementary health insurance
Swiss health insurance
LAMal, made simple.
Swiss health insurance is mandatory for every resident. You have up to 3 months after arrival to subscribe — coverage is then retroactive to your arrival date.
Wait too long and the canton enrols you automatically — usually at a higher premium and without choice. We compare every insurer on the market and select the right franchise, model and supplementary coverage for your profile.
Common mistakes
- Choosing insurance based only on price
- Not understanding the franchise system
- Ignoring accident coverage rules
- Waiting too long before subscribing
Swiss pension system
Three pillars. One strategy.
The Swiss retirement architecture rests on three pillars. Used correctly, the third is also the single largest tax-saving tool available to expats.
1st
AVS / AHV
State pension
Mandatory state pension covering basic retirement income for every Swiss resident.
2nd
LPP / BVG
Occupational pension
Employer pension fund designed to maintain your standard of living after retirement.
3rd
Private
Tax-optimised savings
Optional private retirement savings — the most powerful tax lever available to high earners.
Swiss taxation
Taxes that depend on where, how and who.
Your tax bill depends on canton, residency permit, salary level and family situation. Many foreign workers are taxed at source — but this is rarely optimal beyond a certain income.
We map your situation and identify legitimate deductions before your first declaration is filed.
Potential deductions
- Pension contributions
- Transportation costs
- Professional expenses
- Childcare costs
- 3rd pillar contributions
Daily-life coverage
Car, home and liability.
Car insurance for foreigners
Liability is mandatory for every vehicle registered in Switzerland. Beyond that, you choose your level of protection.
- Partial casco
- Full casco
- Roadside assistance
- Parking damage coverage
Household & RC liability
RC liability is essentially expected by every Swiss landlord. Household coverage typically includes:
- Fire damage
- Theft
- Water damage
- Natural events
- Personal belongings
Avoidable
The five mistakes we never let you make.
01
Missing administrative deadlines
02
Not understanding salary deductions
03
Choosing insurance without proper advice
04
Ignoring pension contributions
05
Overpaying taxes unnecessarily
Welcome to Switzerland.
Let's start it right.
A dedicated, English-speaking advisor builds your personal onboarding plan within 24 hours. Free and confidential.