Krankenversicherung Schweiz für Expats: Pflicht, Fristen, Kosten und Modelle klar erklärt, damit Sie von Anfang an richtig abgesichert sind.
Krankenversicherung Schweiz für Expats
Die Krankenversicherung in der Schweiz funktioniert anders als in vielen anderen Ländern. Für Expats ist es besonders wichtig, das System früh zu verstehen, denn die Grundversicherung ist obligatorisch und muss nach dem Zuzug innert einer klaren Frist abgeschlossen werden.
Viele Neuankommende fragen sich, welche Leistungen gedeckt sind, wie hoch die monatlichen Kosten ausfallen und welches Versicherungsmodell am besten zur eigenen Situation passt. Genau hier ist eine klare Orientierung entscheidend.
Casulo AG unterstützt Sie dabei, die Krankenversicherung in der Schweiz verständlich einzuordnen und die administrativen Schritte sauber vorzubereiten.
Was Expats zur Krankenversicherung in der Schweiz wissen sollten
Nach dem Umzug in die Schweiz besteht in der Regel eine Pflicht zum Abschluss der Grundversicherung.
• Krankenversicherung ist in der Schweiz obligatorisch
• Abschluss muss meist innert drei Monaten nach Einreise erfolgen
• Leistungen der Grundversicherung sind gesetzlich definiert
• Zusatzversicherungen sind freiwillig und individuell
• Prämien unterscheiden sich je nach Wohnort, Versicherer und Modell
Wer diese Struktur früh versteht, kann bessere Entscheidungen treffen und unnötige Fehler vermeiden.
Typische Fragen von Expats
Viele internationale Fachkrafte und Privatpersonen stellen sich beim Thema Krankenversicherung ahnliche Fragen:
• Welche Krankenkasse passt zu meiner Situation?
• Was ist der Unterschied zwischen Franchise und Selbstbehalt?
• Welche Kosten kommen monatlich auf mich zu?
• Brauche ich zusatzliche Versicherungen?
• Wie hängt die Versicherung mit meinem Arbeitsverhaltnis zusammen?
Gerade in den ersten Wochen nach dem Zuzug ist dieses Thema oft mit Unsicherheit verbunden.
Worauf Sie bei der Auswahl achten sollten
Die günstigste Losung ist nicht automatisch die beste. Entscheidend ist, welche Leistungen, Kosten und Modelle wirklich zu Ihrem Alltag passen.
• Wohnort und regionale Pramienunterschiede
• Gewunschtes Arztmodell
• Höhere oder tiefere Franchise
• Persönliche Gesundheitsbedurfnisse
• Zusatzschutz für Spital, Zahnbehandlung oder internationale Leistungen
Eine gute Entscheidung spart nicht nur Kosten, sondern schafft auch Sicherheit im Alltag.
Unsere Unterstützung für Expats
Casulo AG hilft Ihnen, das System einzuordnen und die richtigen nachsten Schritte zu planen.
• Einordnung der Schweizer Versicherungslogik
• Unterstützung bei administrativen Fragen nach dem Zuzug
• Orientierung zu wichtigen Themen beim Ankommen
• Personal support throughout the relocation process
So behalten Sie auch bei komplexen Formalitaten den Uberblick.
Krankenversicherung Schweiz für Expats, klar und strukturiert
Casulo AG begleitet Expats und Privatpersonen in Basel, Zürich, Luzern, Zug und Graubunden sowie je nach Situation auch in weiteren Regionen der Schweiz. Unser Ziel ist es, Ihren Start in der Schweiz persönlich, effizient und stressfrei zu gestalten, damit Sie sich von Anfang an gut abgesichert fühlen.
Our services
We offer you full Relocation support.
Before, during and after arrival and even when you decide to move on.
Personalized counseling to help you and your family navigate cultural differences, align expectations, and feel secure throughout your relocation.
Discover your new surroundings with tailor-made tours that help you get to know the neighborhood, lifestyle, and everyday aspects of your new home.
We will organize well-located temporary accommodation for you, where you will quickly settle in and immediately feel at home – so that you can focus on the important things in life right away.
Individual advice and support in choosing the right school or childcare—tailored to the needs of your children and your values.
From planning to arrival, we coordinate every step of your move with care and precision and, together with our specialists, ensure a smooth and stress-free move.
Together with our partner, we are happy to take care of your work and residence permit or the suspension of your permit when you are sent abroad.
Tired after a long flight and lots of luggage? We arrange your personal transfer to your new home or hotel.
We provide personal support with registrations, administrative formalities, bank account setup, and insurance - reliable and hassle-free.
We guide you through the challenging process of finding a home, from the initial search to the handover. Our local insider knowledge is a key advantage. With deep market insight we help you find the right home faster - making it truly worthwhile to work with us.
From planning to arrival, we coordinate every step of your move with care and precision and, together with our specialists, ensure a smooth and stress-free move.
We guide you through all your deregistrations - from authorities, health insurance, and other contracts to closing your bank account - reliably and hassle-free
We take care of your move-out process: renovations, cleaning, and handover to the landlord - we’re with you until the keys are returned. At the same time, we ensure your deposit is refunded promptly and smoothly.
Whether you’re an owner or a tenant, we help you find suitable tenants or replacements quickly. From creating listings to handling all communication with landlords or administrations, we take care of everything for you.
About us
After almost ten years in the relocation business and many years as an expat in South America and Europe, I not only know what a new start really means, I also understand the cultural differences and varying expectations.
As a Swiss national, I combine local knowledge with personal international experience to give new arrivals a warm welcome right from the start.
For me, a successful relocation means more than just organization and finding a place to live. It's about people, understanding, and genuine support every step of the way. The most important thing for me is the individual well-being of my clients. Personal support is irreplaceable, especially during emotionally sensitive changes.
With empathy, experience, and an open ear, I personally support you in all phases of your move so that your arrival in Switzerland is easy, warm, and sustainable.
Natalie Hartmann, Managing Director and Owner, Casulo AG
Empathy & service orientation: Your individual needs are our focus. We listen, understand, and act with heart.
Discretion & professionalism: Your trust is our greatest asset. Discretion and professional expertise are a matter of course for us.
Flexibility & Intercultural Sensitivity: Every person and every company is unique. With openness and cultural understanding, we will find the best solution for you.
Transparency: We work openly and honestly so that you always have a clear overview.
A dedicated contact person: You have one main point of contact - personal, reliable, and committed.
Experienced advisors: Long-standing consultants take the time to understand your individual needs and support you.
Flexibility: We are flexible and happy to go the extra mile to make your move as smooth and stress-free as possible.
More time for what matters: Employees can focus on their work from day one, because we take care of the administrative tasks.
Relocation Partner Switzerland for international relocation firms
Your trusted local partner in Switzerland
Your trusted relocation partner in Switzerland – offering personalized, flexible, and discreet service for your international clients.
When your clients move to Switzerland, they need a reliable local partner who can handle the relocation process professionally and with a personal touch. This is exactly where Casulo AG is your ideal partner.
We partner with international relocation firms and provide direct support to their clients in Switzerland—drawing on local expertise, offering personalized service, and maintaining high standards of quality.
For Relocation Partners
Do you assist clients who are moving to Switzerland and are looking for a reliable local partner? We handle the day-to-day operations and ensure that your clients receive the best possible care.
• Personalized support for your customers in Switzerland
• Finding housing and arranging accommodations
• Assistance with permits, registration, and administrative tasks
• Direct communication and transparent coordination with you
• Flexible collaboration tailored to your processes and requirements
We see ourselves as an extension of your company in Switzerland and always act in your best interests and those of your customers.
Relocation in Switzerland – collaborative, discreet, and reliable
Casulo AG supports international partners with relocations in Basel, Zurich, Lucerne, Zug, and Graubünden, as well as in other regions of Switzerland. Our goal is to build a long-term, trusting partnership and ensure that your clients have a smooth start in Switzerland.
Relocation Services in Switzerland for Businesses
Efficient Relocation for Your Employees
Efficient relocation services for your employees – we handle the logistics so your team can focus on what matters most.
Assigning or hiring international employees in Switzerland involves numerous organizational, legal, and administrative requirements. Residence and work permits, finding housing, insurance, and on-site integration all require time, experience, and local market knowledge. This is exactly where Casulo AG can help.
We offer relocation services in Switzerland for startups, SMEs, and international companies that are relocating employees from abroad to Switzerland. From initial planning and arranging housing to dealing with government agencies and handling administrative procedures, we provide professional and reliable support for your employees.
For Businesses
Do you send employees from abroad to Switzerland or hire international professionals? We ensure that the entire relocation process runs efficiently, smoothly, and without a hitch.
- Finding Housing for Employees in a Competitive Market
- Assistance with residence and work permits
- Assistance with registration, insurance, and administrative procedures
- Quick integration into your new home and workplace
- Personal support as a central point of contact for your employees
We take the pressure off your company and ensure that your employees receive the best possible support from the very beginning and can settle in quickly.
Relocation in Switzerland – efficient, professional, and reliable
Casulo AG assists companies with relocations in Basel, Zurich, Lucerne, Zug, and Graubünden, as well as in other regions of Switzerland as needed. Our goal is to make the entire relocation process efficient and predictable for your company and your employees—with personalized support and high-quality service.
Your Personal Relocation Service for a Fresh Start in Switzerland
Personalized support for your move to Switzerland
Moving to Switzerland often raises many questions, uncertainties, and organizational challenges for individuals and expats. What type of residence permit is required? How does the apartment search work in Switzerland? What types of insurance are essential? And what needs to be considered when registering with the local municipality? This is exactly where Casulo AG comes in.
We offer a personalized relocation service in Switzerland for private individuals, expats, international professionals, couples, families, and the self-employed. From initial planning and the search for a furnished apartment or a long-term home to dealing with government agencies, insurance, school counseling, and administrative support, we guide you every step of the way.
For individuals and expats
Are you moving to Switzerland for personal reasons, starting a new job, or looking to start a new career as a self-employed professional? We can assist you with your move to Switzerland, finding housing, dealing with government agencies, insurance, school enrollment, and many other practical aspects of settling in. We create a clear, personalized, and stress-free relocation process, especially for individuals, couples, and international professionals.
- Finding an apartment in a competitive Swiss market
- Registration with government agencies and assistance with residence permits
- Advice on health insurance and other important types of insurance
- Support with school, childcare, and family planning
- Support with administrative procedures and everyday matters
We provide a clear, structured, and stress-free process, especially for individuals, couples, and international professionals.
Relocation in Switzerland: Personal, Discreet, and Stress-Free
Casulo AG assists clients with relocations in Basel, Zurich, Lucerne, Zug, and Graubünden, as well as in other regions of Switzerland depending on the situation. Our goal is to make your move to Switzerland efficient, personalized, and stress-free, so that you feel well taken care of from the very beginning.
Frequently Asked Questions
About Casulo AG
We offer a qualified, empathetic contact person who will personally accompany you throughout the entire relocation process. We take care of all the details: from administration, coordination of appointments to negotiations and apartment viewings. This gives you more time to settle in immediately and concentrate on the essentials. Unnecessary time-consuming errors and waiting times are avoided.
Our focus is on the following regions: Northwestern Switzerland – Basel/Baselland, Zurich/Lucerne/Zug area and Davos/Prättigau area. Depending on your needs and desired service, we can also support you in other regions of Switzerland.
From personal experience, we know that relocation is more than just a logistical process - it captures a new phase of life and a deeply human experience. AI can only support you in a limited, factual framework. Our services and personal support are tailored to the emotional change phases that the move entails.
We not only support you with the practical challenges, but are also there for you when you need emotional support. Contact
Immigration
Yes, you need a residence permit to live in Switzerland for a longer period of time. Which permit is required depends on the nationality, the purpose and the duration of the stay.
The work permit depends on where you come from (EU/EFTA – country or third country) and how long and for what purpose you want to work. For EU/EFTA, a residence permit L/B/C/G (work and residence permit) applies for more than 90 days. The reporting obligation applies for less than 90 days. For third countries, work permit L/B applies and an entry/work visa may have to be applied for. Contact us so that we can clarify your personal situation.
Our specialists will be happy to help you clarify your questions about residence and work permits. Contact
Insurance
Yes, health insurance is compulsory and is taken out privately. Within three months of entering the country or taking up work, you must conclude a contract with a private health insurance company. It must be noted that private accident insurance should also be taken out if you work less than 8 hours per week. If your workload is higher, you will be insured by your employer. The insurance premium is deducted from the salary.
Civil liability insurance is not mandatory, but it is necessary if you want to rent an apartment or house. Depending on your personal needs, it is worthwhile to take out further insurance.
Our specialists will be happy to be there for you personally to clarify any questions regarding insurance coverage. Contact
Taxes and finances
There are deductions for AHV pension contributions, pension fund contributions, disability insurance, income compensation and unemployment insurance. The real deduction is at least 6.4%. In addition, there are deductions for the pension fund and the daily sickness allowance. In total, between 7 and 12% can be expected, but it can also be more.
If you are registered with an L or B permit, the income tax will be deducted directly from your gross salary - withholding tax. The amount depends on the salary, place of residence, marital status and family circumstances. The percentages are progressive. If you have a B permit and earn more than 120,000, a regular tax return may be due.
Under certain conditions, the credit can be withdrawn, but this depends on the destination country and various other factors.
Our specialists will be happy to provide you with sound advice on all tax and financial issues. Contact
Accommodation
Due to the complex market situation, it can take a good 3 months to find a suitable apartment. With our support, the chances of success are significantly better in finding a suitable apartment for you in less time.
There are often more than 50 interested parties applying for an apartment. This makes it all the more important to submit a good application dossier with all the necessary documents for the application and sometimes to be faster than the competitors.
We will be happy to support you in your search for accommodation and ensure that your documentation meets the expectations of the landlords. Contact
Schooling
The Swiss education system is practical, flexible and transparent. After compulsory schooling (primary and lower secondary education), there are two main paths, vocational training (apprenticeship) or classical school education – Gymansium.
In Switzerland, you can choose between the Swiss school system and international qualifications such as IB and A-Level. The Swiss school system also offers the dual education pathway, a combination of practice and theory. In addition to the vocational baccalaureate, the classic baccalaureate can also be completed. Depending on the basic education, in addition to the university, higher vocational training can also be used for further education.
No fees are charged for compulsory school years in Swiss schools. Only additional programs such as lunch or supervised activities after official school hours are subject to a fee. Costs for class trips can also be charged. The costs for international schools vary depending on the level and the school and are in the range of around 15,000 to 40,000 francs per school year.
The topic of school education is very complex, which is why we are happy to support you in an advisory capacity. We are here for you to help you find the best school for your children's values, needs and learning styles. Contact
Get in touch
