Profile · Cross-border workers

Make informed decisions with a clear understanding of both systems.

Whether you’re already a cross-border worker, are about to become one, or are considering moving to Switzerland, healthcare, taxation, retirement, pension provision and insurance are constantly changing. We coordinate decisions and procedures on both sides of the border.

Healthcare

CMU for cross-border workers or LAMal?

Compare my options

Are you starting or resuming work in Switzerland, or are you leaving Switzerland to settle in France whilst keeping your Swiss job? In principle, you have three months to exercise your right to choose between the French scheme and LAMal. If no choice is made within this period, you may be automatically enrolled in the Swiss system.

Making the right choice depends on more than just the premium amount. It must take into account your place of residence, the canton where you work, your income, your existing cover, your healthcare habits and your family situation. VYDA helps you clarify your options before making any decision.

Cross-border health insurance

Tailored supplementary health insurance.

Review my cover

Whether you are covered by the CMU for cross-border workers or the LAMal scheme, basic cover can sometimes leave you with significant out-of-pocket costs, particularly for hospitalisation, dental or optical care. In most cases, a suitable supplementary policy allows you to better manage these expenses.

VYDA helps you review your current cover, your healthcare needs and your family situation to avoid duplication, gaps or unsuitable cover.

Retirement & pension provision

Planning ahead for the long term.

Plan my Franco-Swiss retirement

LPP capital, AVS, the third pillar in Switzerland, PER in France, future tax implications and place of residence in retirement: planning for these issues helps you avoid costly decisions.

We analyse your full situation, including your vested rights, your LPP assets, any vested benefits accounts you may have, and the likely duration of your career in Switzerland. If some of your assets are scattered across different accounts, we’ll help you track them down and explore the options for consolidation or transfer, depending on your circumstances.

Lump-sum or annuity withdrawalSearch for LPP assetsLPP buy-inFuture tax implicationsReturn to FranceWealth transfer

Taxation

France or Switzerland?

Assess my tax situation

The country and the tax arrangements depend, in particular, on the canton where you work, your place of residence and the Franco-Swiss tax rules applicable to your situation.

Depending on your circumstances, certain steps may be necessary following the deduction of tax at source, such as applying for a correction or a subsequent ordinary tax assessment. We analyse the relevant factors and guide you through the appropriate process.

Wealth planning in France

A coordinated approach.

Clarify my situation

Taxation in France, mortgage loans, and the transfer of assets: each topic is subject to specific rules on both sides of the border.

PER, mortgage insurance, life insurance: we put into perspective what is relevant to your overall situation.

Frequently asked questions

What you may be wondering

If you leave Switzerland to settle in France whilst continuing to work in Switzerland, your status changes: your cross-border worker permit, your right to choose your health insurance scheme, tax arrangements and insurance cover must all be reviewed. In principle, the right to choose must be exercised within three months of taking up residence in France. Conversely, if you leave France to settle in Switzerland, you become a Swiss resident and must, in particular, enrol in compulsory health insurance within three months of taking up residence. Your French insurance policies, tax arrangements and private cover must also be reviewed. We help you plan for this change in status and coordinate the necessary steps to avoid gaps in cover or decisions being taken too late.

The choice depends on where you are taxed, your tax status and the tax relief options available to you. The 3a pillar may be of interest to certain cross-border workers taxed in Switzerland, particularly if they meet the conditions for applying for subsequent ordinary taxation. The PER may be a suitable option if you have taxable income in France and an available deduction limit. The merits of each solution also depend on the tax treatment applicable to contributions and withdrawals, your intended method of withdrawal, your family situation and your retirement goals. A detailed financial analysis is necessary before making any decision.

Quasi-resident status applies to certain cross-border workers who are taxed at source in Switzerland. As a general rule, at least 90 per cent of the household’s total worldwide gross income must be taxable in Switzerland. For a married couple, the incomes of both spouses are taken into account. Where the conditions are met, a request for subsequent ordinary taxation may be made so that certain deductions can be assessed in accordance with the rules of ordinary taxation, particularly in relation to pension provision, business expenses or interest. The DRIS is a separate procedure. In Geneva, it can, in particular, enable the tax scale or rate applied to be adjusted and, for those subject to tax scale C, allow the spouse’s actual income to be declared. The rules and procedures vary by canton. We can help you identify the procedure best suited to your situation.

Yes. If you have worked for several employers in Switzerland, some of your pension assets may be spread across different pension funds or vested benefits institutions. During an initial consultation, we will piece together your employment history and, with your consent, initiate the necessary enquiries. We will then help you identify the recovered assets and explore the options for consolidation or transfer, depending on your situation.

Your Franco-Swiss situation warrants clarification.

A no-obligation initial consultation.

Clarify my Franco-Swiss situation →