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Old 29.11.2017, 13:24
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Re: What is the Cost of living in Zurich?

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Is your 8-9K figure gross or net?

Net
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  #142  
Old 30.11.2017, 15:51
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Re: What is the Cost of living in Zurich?

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Just make sure you fully understand what taxes, pension contributions, and social insurance go into your gross to net equation.

If you have a good handle on that, you are not far off.

BUT... were it me, I'd up the casual shopping a bit and plan to set aside more for 'unexpected/emergency' expenses.

Given eye-watering Swiss prices you can blow through CHF 500 by blinking. Seriously. Especially when new to the country and not yet aware of where to find the better prices. Look at what your casual shopping is now, then do a bit of online browsing to see what those items would cost here.

I'd also advise planning for more set aside against emergencies. Unexpected expenses seem to crop up regularly in ultra expensive Switzerland, you should always keep a healthy cushion aside to meet those.

Another thing to keep in mind is your health insurance franchise and self payment. With your figure of CHF 700 it looks like you are selecting a higher franchise, although I admit I don't know Zürich prices.

In any event, if you are going for the lowest franchise (CHF 300) your premiums might be be higher. These can be reduced by going for a higher franchise (up to CHf 2500), but you'll need to have the franchise amount, per person, set aside. The self payment contribution is 10% of any bill, up to 7000 - so that's 700 per person that also needs to be set aside.

You can reduce your premiums by chosing something other than the standard model - but honestly, given restrictions to those models I would recommend anyone new to Switzerland first chose the standard model. Get used to how the system works here first, understand how your family's health care needs play out here - then you could switch to a less expensive but more restrictive model in subsequent years.

You can see how insurance premiums vary, from the official government site here:
https://www.priminfo.admin.ch/de/pra...dels%5B%5D=div
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