Working in Switzerland, living abroad – and properly insured.
Anyone who works in Switzerland and lives in Germany, France, Italy or Austria has to make a health insurance choice with long-lasting effects. We explain it to you calmly, work through both routes and handle the registration – independently, in your language and free of charge for you.
Your current premium (optional)
Your personal quote
The selected rate is sent with your enquiry to the VFR advisory team.
What the calculator shows you
This calculator is intended for people resident in Switzerland. Cross-border commuters have separate premiums based on their country of residence. We will calculate your personal premium with you and compare it with the options in your country of residence.
The right of option – your choice of health insurance
People working in Switzerland are generally subject to Swiss health insurance requirements. Whether they have a right to choose insurance in their country of residence depends on that country and their nationality. Certain cross-border commuters living in Germany, France, Italy or Austria may apply for an exemption.
EU, EFTA and British nationals with a cross-border commuter permit generally have three months from the start of employment to register. Any admissible exemption request must also reach the competent cantonal authority within the deadline. An exemption generally remains in force permanently; specific changes in personal circumstances may trigger a new review.
Exactly how the deadline runs in your case, which proofs your country of residence requires and what applies to your family depends on your situation. We check the deadlines with you case by case, before you sign anything.
This page sets out the essentials and does not replace an assessment of your individual case. What counts are the statutory provisions and the information given by the competent authorities.
This is what we clarify with you
Before you commit, we go through your situation point by point.
- Your country of residence, where you work and what your employment contract says
- Whether insurance in Switzerland or your country of residence better suits your situation
- How your partner and children are covered
- Which deadlines apply to your case and which documents the authorities require
- Which additional covers are useful — and which would duplicate cover you already have
What you get out of it
Two countries, two systems, two languages – and one point of contact for you.
- One point of contact on both sides of the border — without being left on hold by insurers and public offices
- Advice in eight languages, so you fully understand your choice
- Independent comparison: we are not owned by an insurer
- We handle registration, forms and correspondence with insurers
- Your file stays with us — even if a question comes up years later
How we proceed
From the first conversation to the finished policy – you don't have to read up on a single regulation.
- Initial consultation: we review your situation — free of charge and without obligation
- We check your deadlines and calculate both options for you
- You decide. We handle registration and the forms
- We remain your point of contact for bills, questions and changes afterwards
The advice is free of charge for you – we are remunerated by the insurers. The rates are set out openly in our Remuneration information.
Experiences with VFR
Feedback from our general customer advisory services.
«I can only recommend VFR. Very professional staff, easy to reach. They respond to your wishes and take time for their clients. As a client you feel genuinely valued and taken seriously.»
«Working with VFR was a great experience! Planning my financial future has never been so easy.»
