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Old 22.05.2015, 16:37
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living cost in switzerland

I am going to Bern for my masters this September. I am not sure how much my monthly living cost will be. The university website says that I should allow at least 1500 CHF per month which I thought is a bit too much. I was thinking 1200 would be enough. My dorm will cost me 600 CHF and I am planning to cook myself more often than not. Can anyone help me with a proper budget for my monthly expense and also any tips for saving money will be welcomed.
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Old 22.05.2015, 17:16
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Re: living cost in switzerland

can you please show your workings to indicate how you arrived at the conclusion that 1200 will be enough and then we can take it from there?
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Old 22.05.2015, 17:25
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Re: living cost in switzerland

Other than accommodation (including utilities), I believe I will need 80/month for health insurance. After comparing the prices in numbeo, I concluded that I will need about 350 for food. So that comes to a little over 1000. If I purchase a half-fare card for 175, I don't think transportation should cost more than 200. So these are all the expenses that I am taking into account. Sorry, I may be completely off in these calculations since I have never lived alone and I am from Bangladesh. So, it will be great if you could tell me what expenses I should take into account in order to plan a proper budget. Thank you
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Old 22.05.2015, 17:40
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Re: living cost in switzerland

Unfortunately 200 is a more realistic number for health insurance, which makes a big impact on your calculation.

For a full budget I suggest you download something off the internet, or get in touch with the Bern student union or similar. The smaller items will add up, you can't budget all your known costs and hope there's nothing else.

For insurance: https://en.comparis.ch/krankenkassen.../input/wohnort
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Old 22.05.2015, 17:40
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Re: living cost in switzerland

take a look at this too: Please can you glance at my figures (living costs in Basel)?
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Old 22.05.2015, 17:45
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Re: living cost in switzerland

I am taking the studentpass standard insurance from swisscare which will be 80/month.
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Old 22.05.2015, 17:48
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Re: living cost in switzerland

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I am taking the studentpass standard insurance from swisscare which will be 80/month.
Cool, good find
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Old 22.05.2015, 17:58
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Re: living cost in switzerland

transport, food, insurance, housing are the big ones which you already covered.

also things like mobile phone, tv license, drinks, social activities etc. can add up

bin bags, dishwashing stuff etc. etc.
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Old 22.05.2015, 18:04
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Re: living cost in switzerland

Ohh..totally forgot about cell phone. Thanks.
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Old 22.05.2015, 18:07
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Re: living cost in switzerland

To give some price context - a Starbucks coffee is about 6 CHF, a supermarket sandwich similar.

You could actually put together a shopping basket on www.leshop.ch, that's the online shopping site for Migros, one of the main supermarkets here.

Just don't forget to include the stuff like toothpaste, cleaning items, etc etc. Food to cook yourself can be OK value here especially vegetarian, but the base costs of living alone are high.
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Old 22.05.2015, 18:10
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Re: living cost in switzerland

Also remember that with Swisscare you pay the invoice first and reclaim the cost back from them. Doctor visit could be 150-200 a time which you will have to fork out for.
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Old 22.05.2015, 19:36
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Re: living cost in switzerland

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To give some price context - a Starbucks coffee is about 6 CHF, a supermarket sandwich similar.

You could actually put together a shopping basket on www.leshop.ch, that's the online shopping site for Migros, one of the main supermarkets here.

Just don't forget to include the stuff like toothpaste, cleaning items, etc etc. Food to cook yourself can be OK value here especially vegetarian, but the base costs of living alone are high.
And then halve the Leshop price and do your shopping at Aldi or
Lidl. 350 a month should be achievable there including meat.
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Old 22.05.2015, 19:47
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Re: living cost in switzerland

Thanks a lot everyone. I didn't know that I have to pay first and then claim the money back from swisscare. That's a bit inconvenient -_-
Are there enough Aldi and Lidl outlets around the city? All I keep reading about are Migros and Coop.
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Old 22.05.2015, 20:49
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Re: living cost in switzerland

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Thanks a lot everyone. I didn't know that I have to pay first and then claim the money back from swisscare. That's a bit inconvenient -_-.
You will be reimbursed the amount after subtracting the annual deductible (usually CHF 300- or CHF 500) and 10% of the bill amount.
I had Swisscare and it wasn't a problem- but you do need to have some extra amount in your account.

On the university front, you will have to provide for fees and other charges (e.g. printing, photocopying, fieldwork if any).
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Old 22.05.2015, 21:25
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Re: living cost in switzerland

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Thanks a lot everyone. I didn't know that I have to pay first and then claim the money back from swisscare. That's a bit inconvenient -_-
Are there enough Aldi and Lidl outlets around the city? All I keep reading about are Migros and Coop.
Then I suggest you read their claims page.

http://www.swisscare.com/en/all-plan...lth-insurance/

There are some Aldis in/around Bern, but doesn't seem to be any Lidls. Denner is quite good for cheaper stuff too. Also Radikal can be a good source of cheap items like clothes, food, household items, etc. There's one in Bern.

http://www.radikal-liquidationen.ch/...p?nav=19,68,67

Otto's which is the sister company of Radikal is also another good source.

http://www.ottos.ch/fr/filiale/latit.../a/bern#mapBox
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Old 22.05.2015, 22:44
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Re: living cost in switzerland

Having looked at Bern uni's website I think you're missing the point downtoearth. It says:

Finances
For your living expenses in Switzerland you must allow for at least CHF 1’500 per month.
Part-time jobs are rare and foreign students are only allowed to work a maximum of 15 hours a week.
For the application for a residence permit you need proof that you can cover the monthly living expenses (e.g. bank statement or letter by your parents confirming that they support you financially with 1'500.- CHF per month).

http://www.int.unibe.ch/content/inco...index_eng.html

So whether or not you can live with less per month the Swiss authorities are going to want to see proof that you have a minimum of 1,500 CHF per month available. If you don't have this you will not be granted a permit to study here.
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Old 23.05.2015, 06:39
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Re: living cost in switzerland

Of course. I can show that I have the money. That won't be a problem. But that doesn't mean I have to spend it all if there is opportunity of saving. Basically, what I wanted to know is whether or not 1500 is an absolutely necessary amount or with proper planning, I can actually manage to live with a smaller budget. Thanks to everyone for your contributions.
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Old 23.05.2015, 09:43
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Re: living cost in switzerland

As a recent student in Switzerland, I can assure you that you will be perfectly fine with 1200/month, especially if you have a quiet lifestyle and spend your time with student activities (for example, buying beer packs from the supermarket and drinking them by the lake - at least in Zurich, that's how it worked for my group of friends).

Have a look at CSS Student Care:
https://www.css.ch/fr/home/unternehm...dent_care.html
Similar to Swisscare, but you don't have to pay in advance, which is a huge advantage.
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Old 23.05.2015, 09:54
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Re: living cost in switzerland

MarKanLu:
Thanks a lot. I don't even drink alcohol, so I don't think I'll have to be bothered bothered about price of beer!
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Old 23.05.2015, 09:59
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Re: living cost in switzerland

The insurance link you provided does not support english
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