Health insurance (KVG)
Mandatory basic health insurance for everyone living in Switzerland, paid per person with no employer share.
Premiums continue after you stop working and usually rise with age. Premium reductions depend on taxable income, which can help early retirees with low income.
Related terms
- Bridge periodThe years between stopping work and the start of pensions and locked savings, paid from accessible money.
- Tax residenceThe country where you are taxed on your worldwide income, usually where you live and have your main ties.
- Spend-down planSpending your savings on purpose over a chosen horizon instead of living only on returns.
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Tax and insurance
Health insurance without a salary: what early retirees pay
Basic insurance is compulsory and costs the same whether you work or not. How premiums, deductibles and subsidies work for early retirees in Switzerland.