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Old 15.06.2012, 19:07
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Working in Switzerland but living in EU country

Hello everyone,
I am new to the forum so hope I am in the right area. My situation is that I am living in the Netherlands with my family but am working in Switzerland. Every Monday I take a plane to Switzerland and return on a Thursday. I have done this for several years but since a month I got a letter from the Canton that I need to take Swiss medical insurance. Point they make is that they concider me "living" in Switzerland and not because my situation changed but since I am now renting an appartment. Before I was either in a hotel or was renting an appartement from a private person. I tried to explain to them I an not "living" in Switzerland and already have a medical family insurance in the Netherlands which also covers me in Siwtzerland but somehow they don't want to accept my explanation. Does anyone had this situation and/or have some advice?
Thanks in advance.
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Old 18.06.2012, 21:10
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Re: Working in Switzerland but living in EU country

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Hello everyone,
I am new to the forum so hope I am in the right area. My situation is that I am living in the Netherlands with my family but am working in Switzerland. Every Monday I take a plane to Switzerland and return on a Thursday. I have done this for several years but since a month I got a letter from the Canton that I need to take Swiss medical insurance. Point they make is that they concider me "living" in Switzerland and not because my situation changed but since I am now renting an appartment. Before I was either in a hotel or was renting an appartement from a private person. I tried to explain to them I an not "living" in Switzerland and already have a medical family insurance in the Netherlands which also covers me in Siwtzerland but somehow they don't want to accept my explanation. Does anyone had this situation and/or have some advice?
Thanks in advance.
What sort of permit do you have?

If you are renting a place with the right permit then you actually are domiciled in Switzerland... need a lot more info.
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Old 18.06.2012, 21:22
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Re: Working in Switzerland but living in EU country

Where do you pay your taxes? Isn't the cut off point 91 days? It does not matter whether you live in a privately rented apartment or not. I am sure you know you have 2 months to find Health Insurance, payable from day 1.
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Old 18.06.2012, 22:34
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Re: Working in Switzerland but living in EU country

Could your employers discuss this with the authorities - seems like a difficult situation.
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Old 18.06.2012, 22:50
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Re: Working in Switzerland but living in EU country

They are simply applying EU-Regulation 883/2004 (coordination of social security systems) which apllies also ti Switzerland and which states that:

"Determination of the applicable legislation
The insured person is subject to the legislation of a single Member State only. The Member State concerned is the one in which he or she pursues a gainful activity."


http://europa.eu/legislation_summari.../c10521_en.htm




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Old 20.06.2012, 13:48
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Re: Working in Switzerland but living in EU country

I have the same situation. I work in Switzerland, fly home almost every weekend (in my case Berlin). According to the Swiss authorities I am considered "local" and need to have insurance here and pay my taxes here. This was also the case when I lived in a hotel.
You could argue with them on a Grenzgänger/frontalier status, in which case you would pay tax at source only in Switzerland and the rest will be taxed in the Netherlands. For that I would check the DBA (Doppelbesteuerungsabkommen) between Switzerland and the Netherlands.

In my case I have decided to stick to the Swiss side of the story as any disadvantage from insurances etc is made up for by the much lower tax rate!

Coming back to your insurance, my experience is as well that if you have a work contract here, you need to show local insurance. The only cases I have seen where this was not necessary was if you are on a expat contract.
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