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Old 18.10.2015, 15:16
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Re: Can I survive in Lausanne with 100.000/year?

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Not really as premiums are not based on age once I over 25, so the young subsidise the old.
But really I was referring to the fact that the individual can at present not only choose the healthcare insurance provider, they can also choose the excess, the type of basic insurance plan, as well as whether to buy supplementary cover. So what one individual pays for their premiums/cover can vary enormously from that of other individuals.
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  #42  
Old 18.10.2015, 20:43
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Re: Can I survive in Lausanne with 100.000/year?

Alexandros-
i wonder where you live now?
even in CH sFR100,000/year is a small fortune to live on, even with a family.
Akrobat
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  #43  
Old 19.10.2015, 15:38
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Re: Can I survive in Lausanne with 100.000/year?

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We speak for gross salary no net! I do not know the exact net amount ( taxes insurance etc).

Thank you very much for your help.
www.lohncomputer.ch

Quite accurate...Your net is about 6500, depends on your marital status and kids etc.

Insurrance is about 400 to 600 so its about 6000 net...

Your name sounds Greek...If you are from Greece and still live there, dont think twice and dont look back!
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  #44  
Old 20.10.2015, 12:02
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Re: Can I survive in Lausanne with 100.000/year?

Statistics say the average Swiss person has 500,000 on his Konto-in the bank,shares,etc. Do they include the super rich with their milliarden when they work out this figure. Sounds unrealistic to me.
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  #45  
Old 20.10.2015, 12:12
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Re: Can I survive in Lausanne with 100.000/year?

show me your source. With a whopping franchise of 3500 a year you might get it for 270 a month.
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Understood.
Though that could be taken as an average, you can get basic coverage from as little as Fr.172.50 per month, Fr.2'070.-- per annum!
Costs (premiums) vary enormously from individual to individual.
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  #46  
Old 20.10.2015, 12:37
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Re: Can I survive in Lausanne with 100.000/year?

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show me your source. With a whopping franchise of 3500 a year you might get it for 270 a month.
For Supra (assuming OP is in early 30s, location in Lausanne), with a franchise of 2500 without accident insurance, it is 227.60 p.m. (with accident insurance- 244.70; however, OP's employer already deducts that from his salary, so he shouldn't worry about this).
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  #47  
Old 20.10.2015, 12:45
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Re: Can I survive in Lausanne with 100.000/year?

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show me your source. With a whopping franchise of 3500 a year you might get it for 270 a month.
I found a solution for the price I mentioned, via comparis too!
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  #48  
Old 20.10.2015, 14:15
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Re: Can I survive in Lausanne with 100.000/year?

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I found a solution for the price I mentioned, via comparis too!
That's lovely but would you care to share the details?

Edit: because I can't find anything as low as that in Lausanne using the cheapest insurance models and highest deductible (assuming he's over 25 years of age and lays the full adult premiums)

Last edited by Belgianmum; 20.10.2015 at 14:49.
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  #49  
Old 20.10.2015, 14:37
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Re: Can I survive in Lausanne with 100.000/year?

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Statistics say the average Swiss person has 500,000 on his Konto-in the bank,shares,etc. Do they include the super rich with their milliarden when they work out this figure. Sounds unrealistic to me.
Of course they do! Average income is also influenced by this fact!
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Old 21.10.2015, 08:44
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Re: Can I survive in Lausanne with 100.000/year?

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That's lovely but would you care to share the details?

Edit: because I can't find anything as low as that in Lausanne using the cheapest insurance models and highest deductible (assuming he's over 25 years of age and lays the full adult premiums)
Yes that is the search I did too, but I can't find anything that low either now! Either comparis has updated its figures since or on my previous search I put in a different postcode and year of birth.
Lausanne must simply have more expensive heath insurance premiums, unfortunately. Doesn't really seem very fair either that there is such a big difference between one town/region and the next!
Nevertheless the point was I found Fr.500.-- a high figure for monthly premiums and that you can definitely find something for less than half of that, of course it all depends on the excess chosen, the model selected and whether or not accident insurance is needed.
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a whopping franchise of 3500 a year
I don't think an excess of Fr.3'500.-- exists yet, perhaps it starts next year or the year after.

Last edited by plumtree; 21.10.2015 at 09:30.
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Old 21.10.2015, 09:23
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Re: Can I survive in Lausanne with 100.000/year?

yes. Then its completely unrealistic!
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Of course they do! Average income is also influenced by this fact!
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  #52  
Old 21.10.2015, 09:45
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Re: Can I survive in Lausanne with 100.000/year?

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yes. Then its completely unrealistic!
Lol, that's statistics for you. If you want to massage the figures to give you something more "realistic" that makes you feel better about your position, find out what the median amount in savings is.
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  #53  
Old 21.10.2015, 09:54
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Re: Can I survive in Lausanne with 100.000/year?

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Of course they do! Average income is also influenced by this fact!
http://www.bfs.admin.ch/bfs/portal/e...vermoegen.html

According to these statistics (2011) the the average savings (arithmetic mean) is about 294 thousand.

The median, which is much less influenced by the super rich would be under 50 thousand.
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  #54  
Old 21.10.2015, 10:06
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Re: Can I survive in Lausanne with 100.000/year?

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Statistics say the average Swiss person has 500,000 on his Konto-in the bank,shares,etc. Do they include the super rich with their milliarden when they work out this figure. Sounds unrealistic to me.
Where do your statistics come from? The Allianz Global Wealth Report for 2015 (see page 82) states debt-adjusted assets per capita in Switzerland of €157,450. While this is the highest in the world, and nearly €19,000 higher than the US, it's nowhere near half a million francs.
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Old 21.10.2015, 10:13
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Re: Can I survive in Lausanne with 100.000/year?

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http://www.bfs.admin.ch/bfs/portal/e...vermoegen.html

According to these statistics (2011) the the average savings (arithmetic mean) is about 294 thousand.

The median, which is much less influenced by the super rich would be under 50 thousand.
Interesting -- those figures show that 11.29% of people who submitted a tax return in Switzerland in 2011 declared net assets of more than half a million francs -- and those 11.29% of people held 77.07% of all assets.

The wealthiest 0.21% held 26.49% of all assets.

Last edited by 22 yards; 21.10.2015 at 10:40.
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Old 21.10.2015, 10:19
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Re: Can I survive in Lausanne with 100.000/year?

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Where do your statistics come from? The Allianz Global Wealth Report for 2015 (see page 82) states debt-adjusted assets per capita in Switzerland of €157,450. While this is the highest in the world, and nearly €19,000 higher than the US, it's nowhere near half a million francs.
Yes, but that doesn't include 2p and 3p accounts.

Tom
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Old 21.10.2015, 10:37
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Re: Can I survive in Lausanne with 100.000/year?

Credit Suisse's Global Wealth Report for 2014 includes these figures for Switzerland:
Mean wealth: 580,686 USD per adult
Median wealth: 106,887 USD per adult

It lists Switzerland, Hong Kong and United States as the three Developed Countries with "Very High Inequality" of wealth.

An excerpt on median wealth says: "The ranking by median wealth per adult favors countries with lower levels of wealth inequality and produces a somewhat different table. Australia (USD 225,000) tops the list, as it has for the past five years, far ahead of Belgium in second place with USD 173,000. Italy, France and the United Kingdom follow in turn with median wealth slightly above USD 130,000, then Switzerland, Japan and Singapore in a narrow band around USD 110,000."

In a nutshell, the average wealthy person in Switzerland is indeed wealthy while the average person would be better off in Australia, Belgium, Italy, France or the UK.

https://publications.credit-suisse.c...41B58C5EA591A4
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Old 21.10.2015, 10:43
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Re: Can I survive in Lausanne with 100.000/year?

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Interesting -- those figures show that 11.29% of people who submitted a tax return in Switzerland in 2011 declared net assets of more than half a million francs -- and those 11.29% of people held 77.07% of
It is interesting. Does it also show that over double that amount declared they had nothing?!!
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Old 21.10.2015, 10:46
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Re: Can I survive in Lausanne with 100.000/year?

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Lausanne must simply have more expensive heath insurance premiums, unfortunately. Doesn't really seem very fair either that there is such a big difference between one town/region and the next!
Nevertheless the point was I found Fr.500.-- a high figure for monthly premiums and that you can definitely find something for less than half of that, of course it all depends on the excess chosen, the model selected and whether or not accident insurance is needed.
.
Health insurance premiums do indeed vary widely between one canton and the next nevertheless it is indeed possible to get basic insurance for far less than 500chf per month even in the expensive cantons.
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Old 21.10.2015, 10:52
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Re: Can I survive in Lausanne with 100.000/year?

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Health insurance premiums do indeed vary widely between one canton and the next nevertheless it is indeed possible to get basic insurance for far less than 500chf per month even in the expensive cantons.
Absolutely. I was surprised that I was able to start paying somewhat less when I moved from Ticino to Aargau for health insurance!
People said, before I moved, watch out, in 'Svizzera interna'/'Deutschschweiz', everything is so much more expensive! But it is simply not true!
Prices in the supermarkets are basically identical.
Health insurance is actually cheaper. Taxes are basically the same.
In Ticino though the salaries are generally quite a bit lower. It simply doesn't make sense!
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