I’m starting work in Switzerland
Before choosing insurance, review your health insurance scheme, accident cover and the paperwork that comes with your new job.
Understand CMU and LAMalLiving in France · Working in Switzerland
Cross-border life, made simpler.
Starting a new job in Switzerland, welcoming a child or buying a property? Find clear guidance, useful tools and an adviser to help you take the next step.
Office in Gex · Remote advice available · No-obligation quotes
Where should I start?
Guidance at every stage.
Choose the topic that matters to you. You will find a tool to get your bearings and resources to explore it further.
I want better health cover
Your statutory scheme and supplementary insurance serve different purposes. Compare benefits for care in France and Switzerland, taking your household’s needs into account.
Compare my supplementary coverMy family situation is changing
A birth, a marriage or a change in your partner’s employment: check with the relevant organisations how children should be registered and how each family member is covered.
Talk it through with an adviserI’m buying a property or repaying a mortgage
Look beyond the mortgage interest rate. Review your loan insurance: benefits, insured shares, exclusions and how your work in Switzerland is taken into account.
Review my mortgage insuranceI’m planning my budget
Separate gross pay, take-home pay, currency conversion and commuting costs. Our calculators provide an initial estimate to check against your actual circumstances.
Estimate my take-home payI work remotely from France
Tax and social security follow different rules. Check your working arrangements with your employer, then confirm the paperwork and supporting documents you need.
Check my remote working arrangementsProtecting what matters
Two comparison tools for your plans.
Understand the benefits, compare prices and speak to someone who can help you choose.
Supplementary health cover for cross-border workers
Care in France and Switzerland, clearly explained.
Enter your details to see prices for the Alptis and REPAM offers available for your situation. Compare benefits on each side of the border, then receive your selection by email.
- Separate benefits for France and Switzerland
- Personalised prices after completing the form
- Official benefit tables for the available offers
Supplementary insurance adds to your statutory cover; it does not choose between CMU and LAMal for you.
Mortgage insurance
Your mortgage deserves suitable protection too.
Whether you are buying a property or changing your insurance, start with an estimate. We help you review the cover your bank requires and your circumstances as a cross-border worker.
- Buying a property or repaying an existing loan
- Review benefits and insured shares together
- Help with your quote request
The review takes your profile and the terms of the proposed policies into account.
Practical help, at your own pace
Tools for everyday cross-border life.
Get an initial estimate, keep your results for reference and speak to an adviser when your plans become clearer.
CMU or LAMal
Compare estimated contributions for your household and prepare to choose your health insurance scheme.
Open the tool : CMU or LAMalSwiss take-home pay
Turn your gross salary into an estimated net figure and identify the main deductions.
Open the tool : Swiss take-home payBorrowing capacity
Get an idea of your property budget based on your income and outgoings.
Open the tool : Borrowing capacityCommuting budget
Estimate the cost of travelling between home and work.
Open the tool : Commuting budgetCross-border remote working
Find the points to check before arranging your working days in France.
Open the tool : Cross-border remote workingPaperwork calendar
Identify the paperwork to prepare and the deadlines to confirm with the relevant organisations.
Open the tool : Paperwork calendarThe right documents, in one place
Your paperwork, with official sources.
Read the guidance before completing a form. The relevant organisation remains the reference for the version to use and the supporting documents required.
Choosing your health insurance scheme
The health insurance system choice form and information from the canton of Geneva on your right to choose a scheme.
The document is marked “January 2024 version”. Use the official source to check the form provided by the competent authority for your application.
Understanding your right to choose
An information table about compulsory insurance, to be read in light of the person’s country of residence and circumstances.
This document does not calculate your contribution or reimbursements. Confirm the rule applicable to your situation with the competent institution.
Registering for healthcare cover in France
Form S1106 is used to apply for healthcare entitlement. It does not replace the S1 issued by your Swiss insurer if you are covered under LAMal.
Healthcare in France: the S1 form
The S1 allows your healthcare entitlement to be recognised in your country of residence. Ask your relevant insurance organisation for the document issued in your name.
Claiming for healthcare received abroad
Form S3125 is used to request reimbursement for healthcare received abroad, when this procedure applies to your situation.
Coverage depends on the treatment, the applicable insurance system and any required prior authorisation. Submitting a claim does not guarantee reimbursement.
Reporting a change in circumstances
Find the Assurance Maladie forms for preparing a transfer or another change to your file, depending on your circumstances.
A change in employment, residence or family circumstances may affect the steps you need to take. Check your situation with your health insurance fund or the relevant cantonal service.
And the other parts of cross-border life?
Tax, retirement or job loss: find the relevant public bodies to help you prepare your next steps.
Tax: check the rules for your canton
Your tax position depends in particular on the canton where you work and your circumstances. Check the process with the tax authority before filing your income tax return.
Official source : Tax: check the rules for your cantonRetirement: AVS and your pension fund
Distinguish AVS from occupational pensions to prepare your questions for your compensation office and pension fund.
Official source : Retirement: AVS and your pension fundJob loss: preparing the next steps
If you become fully unemployed, check France Travail for the steps that apply to cross-border workers and the documents you will need.
Official source : Job loss: preparing the next stepsUnderstand before you decide
Take the time to make the right choice.
Your right to choose, step by step
Questions to ask when you first start working in Switzerland.
Read the guide : Your right to choose, step by stepHow can you compare LAMal and CMU?
Two ways of calculating contributions, with a choice that depends on your situation.
Read the guide : How can you compare LAMal and CMU?Understanding your health cover
Your statutory scheme, care on both sides of the border and the role of supplementary insurance.
Read the guide : Understanding your health coverWhen do I need to choose between CMU and LAMal?
If your situation gives you a right to choose, you generally have three months from the relevant event. Ask your French health insurance fund and the competent Swiss authority to confirm when this period starts and which procedure applies.
Does the health comparison tool choose between CMU and LAMal?
No. The CMU/LAMal calculator helps you compare contributions to the statutory schemes. The Alptis/REPAM tool compares supplementary health insurance that adds to that cover. These are two different steps.
I’m covered under LAMal: how can I receive care in France?
Ask your Swiss insurer for an S1 form, then complete the steps required by the relevant French health insurance fund to have your entitlement recognised. Cover depends on your circumstances and the applicable rules.
Can I find out the price of my cross-border supplementary health cover?
Yes. The comparison tool asks for the information needed for the estimate, then shows prices for the offers available for your profile. You can compare benefits for France and Switzerland and ask to receive your selection.
Does earning my salary in Swiss francs affect the review of my mortgage insurance?
Your work, your residence and the policy terms are among the points to check. An estimate is a starting point; your adviser then reviews your file and the cover your bank requires.
Are the remote working rules the same for tax and social security?
No. Social security affiliation and taxation are governed by separate rules and agreements. Confirm your planned arrangements with your employer and consult the official sources for your canton and circumstances.
A local office, real conversations
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This guide helps you navigate the steps involved. For administrative decisions, the relevant organisation’s rules and your personal circumstances remain the reference.
