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Old 08.07.2019, 17:00
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Hi, I am moving to Zurich August 2019

Hi,
My name is Jack and I am moving to Zurich with my fiancé on 3rd August.
I have a job already lined up with Deloitte and a B permit to register for on my arrival. My other half however is currently looking for work and will continue to do so on our arrival if not successful beforehand.
I have a number of questions I’d appreciate if some people could help in any way.
Jobs
Does anybody have any contacts in the retail industry? My other half is a range planner, essentially designing the layout and product placement in store, for seasonal/occasions, e.g. father’s day, Halloween etc. She also has extensive experience in visual merchandising. She has worked for H&M, Debenhams, Homebase and Sainsbury’s in the UK. Unfortunately the only language she currently speaks is English.
Health insurance
  • How much should I expect to pay per person?
  • Is there any types of cover I should avoid? Is basic HMO too basic? At the moment the quote I have for basic HMO + dental is around CHF750 per month for both of us. Is this about right
  • Is there any sort of discount/subsidy because my other half is potentially going to be unemployed when we first go there?
Bank
Is there a recommended bank/type of account for an expat?
Accommodation
I have applied for an apartment in Glattbrugg. Is this a nice place? It has come recommended from a Swiss work colleague over there however I just wanted to see what the thoughts were from an expat point of view.
Thank you in advance for any help/advice received.
Jack
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Old 08.07.2019, 17:33
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Re: Hi, I am moving to Zurich August 2019

- Postfinance is pretty easy for fresh expats to get an account, if you are here for some time you can look around and always change. (keep cash in the wallet since post finance cards are not accepted everywhere, we have a MasterCard along)

- 750,- for two and assuming a deductible of 2500,- pp sounds o.k.

- No discount/subsidy, you earn so you pay.

- Glattbrugg is o.k. and it is all personal if you like it or not.

- You wife would do herself a big favour by starting to learn German a.s.ap. it is not impossible to find a job without it, but I'd say in retail it is almost mandatory.
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Old 08.07.2019, 17:37
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Re: Hi, I am moving to Zurich August 2019

Welcome to the forum and soon to Switzerland.

Best thing for your other half is to learn German asap. She'll need to talk to colleagues if she wants to work in that line of business.

For health insurance you can use comparis.ch to compare prices and what type of insurance will suit you best. Bear in mind that your other half will need to add accident insurance to their policy since they won't be covered by an employer (unless your employer has a scheme which does this). Not sure having dental cover is worth it here.

Bank accounts are salary/checking mostly.
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Old 08.07.2019, 17:54
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Re: Hi, I am moving to Zurich August 2019

About health insurance: basic cover is mandatory. You cannot be refused cover, and no pre-existing condition can be excluded. Additional, supplementary insurances, on the other hand, are nice-to-have extras, and free-market, in that an insurer can choose whether or not to sell you a policy.

If you'd really like to understand it, I recommend this thread.
https://www.englishforum.ch/insuranc...insurance.html

If you don't have the time or energy to wade through that, then I'd recommend
buying as many supplementary insurance modules as you can afford, knowing that, at the end of any year, you can stop them. At least then you'll have everything you need and more, to start with, and once you understand the system better, you can decide whether or not you're brave enough to reduce your cover.

And yes, learn German, learn German, learn German.
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Old 08.07.2019, 18:19
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Re: Hi, I am moving to Zurich August 2019

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If you don't have the time or energy to wade through that, then I'd recommend
buying as many supplementary insurance modules as you can afford, knowing that, at the end of any year, you can stop them.
Lots of supplementary insurance has a 5 year term as standard in the contract. I really wouldn’t recommend this course of action to someone who doesn’t understand the contractual norms, legal system, health insurance and likely German.
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Old 08.07.2019, 18:21
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Re: Hi, I am moving to Zurich August 2019

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Lots of supplementary insurance has a 5 year term as standard in the contract.
Oops! Wow! Thank you eyebeebe, I hadn't seen that before. Good that you point it out. For a contract with such a long notice period, my advice, above, would indeed be very poor.

Therefore, OP, if you're considering supplementary insurance, best to check whether the 5-year term, as eyebeebe points out, would be fixed in any contract you might take. If not, i.e. if you can find a contract that can be terminated at the end of any calendar year, then I stand by my advice.
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Old 09.07.2019, 10:30
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Re: Hi, I am moving to Zurich August 2019

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About health insurance: basic cover is mandatory. You cannot be refused cover, and no pre-existing condition can be excluded. Additional, supplementary insurances, on the other hand, are nice-to-have extras, and free-market, in that an insurer can choose whether or not to sell you a policy.

If you'd really like to understand it, I recommend this thread.
https://www.englishforum.ch/insuranc...insurance.html

If you don't have the time or energy to wade through that, then I'd recommend
buying as many supplementary insurance modules as you can afford, knowing that, at the end of any year, you can stop them. At least then you'll have everything you need and more, to start with, and once you understand the system better, you can decide whether or not you're brave enough to reduce your cover.

And yes, learn German, learn German, learn German.
Having a read through that thread, I suspect I will be rejected for any supplementary insurance anyway. I have an existing heart condition I'm about to have an operation for next week, I would imagine that is a big no-no for them. Basic cover it shall be then.
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Old 09.07.2019, 10:49
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Re: Hi, I am moving to Zurich August 2019

Basic is pretty good.
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Old 09.07.2019, 19:42
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Re: Hi, I am moving to Zurich August 2019

For your partner: learn German, learn German, learn German.

I started in Zurich with a job and no German, and I spoke only English for three years. Recently I managed to do an intensive German course: it really changed my personal perspective of the place and also boosted my job opportunities.

I regret not having done this three years ago and I think it's a suggestion that is never repeated too much.

How much will it take/cost? Something like 4-6 months and 4-6 thousand Francs. Time will fly and she will get all the money back with the first salary, don't worry.
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Old 09.07.2019, 19:48
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Re: Hi, I am moving to Zurich August 2019

So, I think we've got this message out well and clear.

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- You wife would do herself a big favour by starting to learn German a.s.ap. it is not impossible to find a job without it, but I'd say in retail it is almost mandatory.
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Best thing for your other half is to learn German asap. She'll need to talk to colleagues if she wants to work in that line of business.
Quote:
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And yes, learn German, learn German, learn German.
Quote:
View Post
For your partner: learn German, learn German, learn German.

I started in Zurich with a job and no German, and I spoke only English for three years. Recently I managed to do an intensive German course: it really changed my personal perspective of the place and also boosted my job opportunities.

I regret not having done this three years ago and I think it's a suggestion that is never repeated too much.

How much will it take/cost? Something like 4-6 months and 4-6 thousand Francs. Time will fly and she will get all the money back with the first salary, don't worry.
By the way, welcome to Switzerland, and there are many threads on this forum about HOW to learn German.
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