Do you live in Germany and work in Switzerland? Then special rules apply to you for provision, health insurance and cover. Here you will find out clearly, understandably and practically what really matters – and how to avoid costly wrong decisions.
Provision · Cover · Health insurance
We review your complete situation – from KVG/GKV to pension fund and private provision. Without obligation and with no commitments.
are mandatory – and crucial for your pension.
free right of option (CH or DE) – but only 3 months to decide.
unsuitable for most German cross-border commuters for tax reasons.
without additional planning, gaps in provision and income often arise.
As a German cross-border commuter, you move between two social security and tax systems. What makes sense for Swiss or Germans in their home country can quickly become expensive or ineffective for cross-border commuters.
Typical problem areas:
👉 Good information saves a lot of money here over the years.
AHV is mandatory for all cross-border commuters and secures a basic pension in old age as well as benefits in the event of invalidity or death.
✅ Your AHV contribution years are not lost – even if you later live permanently in Germany.
Through your Swiss employer, you automatically build up capital in the pension fund. It provides you with:
⚠️ Particularly important for cross-border commuters:
✅ For many cross-border commuters, the pension fund is the largest asset alongside property.
The tax-advantaged Swiss pillar 3a is not suitable for most genuine German cross-border commuters:
👉 Rule of thumb: Returning to Germany daily = pillar 3a usually unsuitable.
Instead, many cross-border commuters use:
✅ These can be combined much better with German tax law.
As a cross-border commuter, you may choose between:
Swiss health insurance (KVG)German statutory health insurance (GKV)German private health insurance (PKV)⏰ Attention:
👉 There is no one-size-fits-all best solution – your personal situation decides.
→ Details on cross-border commuter health insurance
Swiss KVG via our cooperation partner Allves.
Switzerland mainly uses the concept of invalidity, not classic occupational disability. You are covered by:
⚠️ In many cases this is not enough to maintain your previous standard of living.
✅ Additional private cover can be decisive – especially for:
If you make the right decisions early as a German cross-border commuter, you
Unsure whether you are set up correctly? We review for you:
Without obligation & with no commitments
Whether first-time contract, optimisation or switching: we review your complete cross-border commuter situation and find the most economical solution.
Start your cross-border commuter check nowThis 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.