Cross-border commuters from France
Cross-border commuters from France: health insurance, taxes and social security
You live in France and work in Switzerland? Here you will find the most important points, which are regulated differently depending on the canton where you work.
Health insurance: KVG or the French system
Cross-border commuters resident in France can choose whether to insure themselves in Switzerland under the KVG or in the French system (right of option). The choice must be made within a short deadline after starting work and generally applies permanently.
The two systems differ in contributions, benefits and access to doctors and hospitals in both countries. We compare the options for you and your family.
Taxes: depending on the canton where you work
Taxation depends on the canton in which you work. A special arrangement applies to several border cantons, under which cross-border commuters are taxed in France. In other cantons, such as Geneva, income is taxed at source in Switzerland.
Depending on the canton and your situation, additional evidence or applications may be required, for example a certificate of residence in France. We clarify with you which rules apply to your place of work.
Home office and social security
Special rules apply between Switzerland and France for working from home, both for taxes and for social security. If you regularly work from home, you should have the consequences checked in advance.
G permit
To work in Switzerland you need a cross-border commuter permit (G permit). We help you with the necessary documents.
Frequently asked questions
Do I need Swiss health insurance as a cross-border commuter from France?
You can choose between Swiss health insurance under the KVG and the French system. The choice is subject to a deadline and is generally final.
Where do I pay taxes as a cross-border commuter from France?
That depends on the canton where you work. In some cantons cross-border commuters are taxed in France, in others – such as Geneva – at source in Switzerland.
Your finances and your administration do not have to be complicated.
Tell us about your situation and receive your personal PROFINIO plan.