Cross-border workers: Understanding taxation and social security
Working in Switzerland while living in a neighboring country brings many advantages, but it also comes with specific tax, social security, and financial planning challenges. Whether you are already a cross-border worker or considering becoming one, we provide you with clear guidance to understand your rights, obligations, and the solutions available to optimize your situation.
Discover our services for Cross-border workers
Obtain your Quasi-Resident Status in Geneva
Do you work in Geneva while residing in France? You might be eligible for quasi-resident status. This status, designed for cross-border workers in Geneva, can significantly change how you declare your taxes.
Quasi-resident status allows you to choose the most advantageous tax system between Switzerland and France. This could result in substantial savings for certain taxpayers, especially in the canton of Geneva. Benefit from expert advice to optimize your financial situation with FBKConseils.
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Explore all our articles on the topic.
The guide for cross-border commuters
As a cross-border commuter, you have two or three things to worry about in Switzerland… Health insurance is one of them, as is retirement! Yes, because when you work in Switzerland, you contribute in Switzerland. Swiss contributions mean a Swiss pension!
Health insurance for frontier workers: CMU
Choosing health insurance? What a strange concept when you come from a country where there is only one single scheme for everyone. Unfortunately, this is no longer the case. You will have to exercise what is called your right of option within a short period of time and choose whether :
– You wish to remain in a regime very close to the French social security system called “CMU
– Or if you prefer to opt for a Swiss basic insurance called LAMal
The differences are numerous and the impact on annual premiums can be colossal
And the worst thing about it is that this choice will, in almost all cases, be definitive. You will not be able to go back, so believe me, it is wiser to take a moment to look around.
If we were to summarise the CMU in a few words, it is a copy and paste of your health system. The premiums are based exclusively on household income and cover the care of the whole family. And what about the other option?
Frontalier CMU: calculate your premium precisely
Reading time 7 min.
Updated on May, 16th 2024.
Frontalier CMU: Functioning, Cover and Cost
Reading time 7 min.
Updated on May, 16th 2024.
Health insurance for frontier workers: KVG/LAMal
It is best to be aware of the two options before making a choice. So let’s take a look at the KVG/LAMal!
Compulsory for all persons living in Switzerland, it constitutes a basic insurance, but can be supplemented. This Swiss insurance can be very advantageous for many reasons. First of all, the price is fixed and does not depend on the salary, so a financial comparison is necessary!
Secondly, a comparison of the functioning of the two systems is also necessary! Yes, do you want to be treated in France, in Switzerland? Do you want to continue to see your family doctor? Do you go to the doctor often or not at all?
LAMal for frontaliers : functioning, cover and costs
Reading time 5 min.
Updated on May, 16th 2024.
How much exactly does the Health Insurance Act of Switzerland (LAMal) cost?
Reading time 3 min.
Updated on May, 16th 2024.
Pension for cross-border commuters
Whether you have just moved to Switzerland or have spent your entire career there, you are entitled to a pension!
The pension in Switzerland is divided into 3 pillars:
– The 1st pillar: The AVS (old age and survivors insurance)
– The 2nd pillar: The LPP (law on occupational benefit planning)
– The 3rd pillar: Private pension provision
The first two pillars are a safe bet. In other words, whether or not you have undertaken anything, you will always be entitled to a pension. The question is “how much? As far as the 3rd pillar is concerned, being a free component, it will only be available if you have created it beforehand…
The tax on 2nd and 3rd pillars withdrawals to move to France
Reading time 4 min. Updated on January, 10th 2025.
The pillar 3A as a frontalier : is it a good or bad thing?
Reading time 6 min. Updated on January, 19th 2024.
LPP withdraw and taxes when moving abroad
Reading time 4 min. Updated on January, 9th 2025.
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