It is not on 90k some minimum, it is about versicherter Lohn:
`Die Abzüge vom koordinierten Lohn betragen:
Von 25 bis 34 Jahren: 7 %
Von 35 bis 44 Jahren: 10 %
Von 45 bis 54 Jahren: 15 %
Von 55 bis 65 Jahren: 18 %
Einfaches Beispiel einer BVG-Beitragsberechnung
Frau B., 41 Jahre, arbeitet in einer Autowerkstatt:
Ihre AHV-pflichtige Jahreslohnsumme beträgt: CHF 65’000
Der Koordinationsabzug (Stand 2025) beträgt: CHF 22’680
Berechnung der BVG
Der Jahreslohn abzüglich Koordinationsabzug, also der versicherte Lohn beträgt: CHF 42’320.
Altersabzug: 10 % vom versicherten Lohn = CHF 4’232 / Jahr
Arbeitnehmerbeitrag: CHF 2’116.00 pro Jahr oder CHF 176.33 pro Monat
Arbeitgeberbeitrag: CHF 2’116.00 pro Jahr oder CHF 176.33 pro Monat`
It’s probably what a Swiss would have been offered, does anyone think of it? The problem, for most ex-pats/immigrants, is that they usually have families in tow and it’s not always easy for the other partner to find a proper job (right from their arrival or before).
As soon as his spouse will be able to find even a small part-time job, their financial situation will improve.
(no wonder many foreigners seem so arrogant…and rightly so)
My point is: If your salary is 100k, you will have to pay Pillar 2. I did a quick search and it appears what OP has been offered is not much better than the legal minimum. It is common that employers offer much better schemes.
Well, it’s money.There are things we cannot count or put a price on it, we can get metaphysical. But, I’m going to count the shit out things that are objectively measurable such as money
Maybe it’s time to have the conversation of about companies that hire foreigners and companies that hire foreigners in Switzerland.
There are decent companies that hire foreigners and offer competitive salaries.
There are other companies that also hire foreigners but act a bit different. I won’t name the names but it’s the 2 largest companies in the world that produce a critical input to make concrete and have big offices and many employees in Switzerland. They bring workers offering a significant increase in salary when compared to the countries where the plants to produce the critical input for cement are located. But, when compared to Swiss salaries, the archetypal Migros cashier working 100% may earn more.
My jaw went to the floor one day I visited a big office of one of these companies to offer engineering services. The meeting took place in a temporary pile of shipping container offices like the ones you see in construction sites. The manager complained about our hourly rates and I got told the following:
you’re asking more that my highly experienced engineers in this room. They can do the job cheaper than you.
It was an awfully awkward moment of silence. No one knew what to say. I realized that it was not only a strong bargaining strategy. The “highly experienced engineers” were embarrassed because their boss was transparent in telling how bad the salaries are for foreigners in that company. Some months later I crossed one of those engineers at local Coop. The guy could not looked at me in the eyes and looked at the floor instead.
@Zaffer, maybe this is important. You mentioned you already visited Switzerland. Was it for a job interview? What was the first impression? Already met the hiring manager? Had the chance to meet the team? Impressions during that process count a lot to know the company.
The pension fund example I referred to above (18% total contribution for a 35yo with 40/60 split) is from our Swiss business that employs around 1500 people from blue collar to office people and probably is 80%+ Swiss.
A proper pension fund is by no means an “expat” thing.
From one T1 to another. Yes, if one has a chronic illness like T1 diabetes it is better over all to pay more for the lowest possible deductible. You pay the first f300. Then 10% of the next CHF7,000 and after that 0%. This is for all appointments, all drugs including insulins and CGMs. For the Abbot FreeStyle Libre they will cover 28 a year I recall but this could change with the upgrade from 14 to 15 days. Your maximum payment, in addition to the cost of insurance is f300 + f700 = 1000.
Supplemental insurance not necessary but with higher likelihood of hospitalisation you might consider paying for the single room.
I rarely reach the f7,000 cap for diabetes alone but YMMD.
We just thanked them for their time and left. The company called us first and asked for an offer because our company did some similar work in the past.We already had the info we needed: the negotiation towards a contract was dead.
Also, my internal racist was already triggered, not the most rational moment. I’ve seen managers from this culture act this way, so far in three countries around the world. They are foreigners too in Switzerland, could get kicked out at any moment, anyway proud to be “hard”.
Yes they were kind enough to fly my wife there as well.
I was there for Bauma in Germany then we spent a week in Zug and Unterageri.
I have been working very closely with this company for the last year and 9 months, i work for their distributor in South Africa, and apparently they like what i have achieved. I like the team and the culture (the little i have experienced) but like most jobs you only get to experience true culture once you are there every day. Most of the team was not in during that week because it was easter. But they have been very good for me.
They currently subsidize 50% of my cost to company at my current employer as they wanted someone to focus 100% only on their product.
I met the big boss briefly at Bauma were he explained to me what he wants me to come and do there. But we could not speak for long.
I think I will be a good fit, but I am also nervous that they use me as a scapegoat to travel to the countries no one wants to go. Also leaving my wife and kids alone in a country with no support network can be tough on them while im traveling.
With the current offer it will not be worthwhile for me to give up everything we have in SA.
But if they are willing to adjust it, and if my wife can get a decent enough job and when both kids are in school then we should be in a better position than we are now.
South Africa has a lot of problems but it’s not a bad place. Problem is we don’t know what it will be like when our kids are grown up.
I feel like i have nothing to lose asking for a better offer. If they decline then i continue live as normal.
My current employer also told me if I’m willing to stay we can discuss my future in the group.
Once again i would just like to thank everyone that contributed to this thread. With all the online research i have done, I still learnt a lot from here.
Had some German in University, but doing Duolingo again now, i can pick up little bit when someone is speaking german, company has also offered to send me for german classes.
Take a peek at this official site, it lists all providers and their premiums licensed for the city you enter. Assuming you have the maximum deductible, the wife and children all the minimum (ignore anything other than these extremes, the rest isn’t worth bothering) you look at ~800 per month with the least expensive models.
Your accident insurance is paid for by your employer, AFAIK the wife (while unemployed) and the children need it.
It doesn’t matter much which provider you chose as what they cover is strictly regulated, the sole difference is quality of service. The most important part of the latter is that your health provider can send the bill directly to the insurance, which pays it and bills you for what you’re due (rather than you paying a gazillion and getting most of it paid back by the insurance, an obvious liquidity issue).
Also leaving my wife and kids alone in a country with no support network can be tough on them while im traveling.