KVG, GKV or PKV – plus provision, liability and mobility: everything you need to know as a cross-border commuter, on one page.
You live in Germany and work in Switzerland? Then special rules apply to you – for health insurance, provision, taxes and liability. We have been looking after cross-border commuters in the Lörrach region for more than 30 years and put your insurance together so that nothing is paid twice and nothing is forgotten.
For all topics on the Swiss side – in particular KVG basic insurance – we work with our cooperation partner Allves. Through Allves we can handle all relevant KVG providers (e.g. SWICA, Sympany, Helsana). We look after the German components such as supplementary insurance, provision, liability and property insurance directly.
If you work in Switzerland and live in Germany, you must decide within 3 months: Swiss KVG basic insurance or exemption in favour of German GKV/PKV. This choice is generally final – we help you make it correctly.
Figures for guidance only – the actual calculation is made individually. KVG premiums 2027 according to the BAG premium overview for insured persons resident in Germany (adults, deductible CHF 300).
For Swiss KVG we work with established partners. Our exclusive cooperation partner is Allves – through Allves we can handle all relevant KVG providers. Detailed premium overviews, applications and benefit comparisons can be found on the overview page Cross-border commuters Switzerland.
Choice between Swiss KVG basic insurance (e.g. SWICA, Sympany) and German GKV/PKV with an exemption application. Including supplementary insurance for dental, hospital and alternative practitioners (Heilpraktiker).
→ KVG detailsSwiss 1st + 2nd pillar plus German private provision. Optimisation of pillar 3a/3b, Riester alternatives and tax-efficient components for cross-border commuters.
→ Cross-border commuter provisionThe Swiss SUVA covers occupational accidents – but not everything. German occupational disability insurance protects your standard of living if you can no longer do your job in Switzerland.
German contracts – with abroad/Switzerland clauses. We make sure that damage on the way to work and at the Swiss workplace is also covered.
Commuting to Switzerland requires tariffs with a high mileage allowance and properly arranged cover abroad – including breakdown cover (Schutzbrief) for Switzerland.
Travel health insurance valid in Switzerland, trip cancellation and, if needed, annual travel cover for business travellers.
Whether first-time contract, optimisation or switching as of 1 January: we calculate KVG, GKV and PKV individually for you – including supplementary insurance and family optimisation. Without obligation and with no additional fee for you – we are paid by the insurers.
Request personal adviceLooking for personal insurance advice in Lörrach, Weil am Rhein, Rheinfelden, Schopfheim, Steinen or elsewhere in the Landkreis Lörrach? As an insurance broker in the tri-border region, we specialise in cross-border commuters working in Switzerland – from health insurance for cross-border commuters to retirement provision and property and liability cover. Book your appointment now – in person, by phone or online.
This page is a translation of our German website. The German version is authoritative: in the event of any discrepancies or ambiguities, only the German version is legally binding, not the translation. We offer advice in German or English. You will receive contracts, insurance terms and documents in German.