Cross-border commuters
Cross-border commuters in Switzerland: health insurance, taxes and retirement planning
You work in Switzerland and live in Germany, France or Italy – we bring together the topics of both countries.
Information by country of residence
- Cross-border commuters from Germany Right of option for health insurance, taxation under the double taxation agreement and certificate of residence.
- Cross-border commuters from France Right of option between KVG and French health insurance, taxation that varies by canton.
- Cross-border commuters from Italy Right of option for health insurance and taxation under the Switzerland–Italy cross-border commuter agreement.
As a cross-border commuter, rules from two countries apply to you: Switzerland is where you work, while your country of residence helps determine how you are insured and taxed. Which rules apply in practice depends on your country of residence, the canton where you work and your personal situation.
PROFINIO gives you an overview, reminds you of deadlines and supports decisions that are difficult to change later – such as the choice of health insurance.
Topics that concern all cross-border commuters
01
Insurance
- Health insurance and right of option
- Supplementary insurance
- Accident and incapacity to work
02
Taxes
- Withholding tax and corrections
- Coordination with your country of residence
- Deadlines in both countries
03
Formalities
- Cross-border commuter permit G
- Weekly return to your place of residence
- Home office and working days in your country of residence
Important note The information on these pages is general and does not replace individual advice. Rules may change; the laws and agreements in force at the time are authoritative.
Your finances and your administration do not have to be complicated.
Tell us about your situation and receive your personal PROFINIO plan.