Dal 1990, Zurigo
Volume I, Edition MMXXVI
Brochure regionale
La guida del residente

La Brochure di Zurigo

An editorial briefing for executives, private families and mandated newcomers arriving in the canton of Zürich, prepared with the discretion and precision of three decades of Swiss relocation.

35+
Anni di esperienza
26
Cantoni svizzeri
15
Capitoli inclusi
1.5M
Focus regionale
Welcome Service, Guida regionale, Zurigo welcome-service.ch, info@welcome-service.ch
Un messaggio di benvenuto

Una relocation riesce quando precisione pratica, conoscenza locale e tempismo umano procedono insieme.

A calm, structured companion for newcomers arriving in Zürich, covering local authorities, housing, utilities, schools, transport, healthcare, banking, shopping, waste, animals, culture, and useful contacts.

Sommario del volume

Indice dei Capitoli.

Un riferimento strutturato per i primi mesi pratici a Zurigo: autorità, alloggio, utenze, sanità, istruzione, trasporti, banche e vita quotidiana.

  1. I
    Panoramica della Svizzera
    1.1. History
    04
  2. II
    Autorità locali & immigrazione
    2.1. Police
    05
  3. III
    Alloggio
    3.1. Zürich Housing Situation
    06
  4. IV
    Allacciamenti (energia, telefono, internet, TV)
    4.2. Telephone & Internet &
    07
  5. V
    Assicurazioni
    5.1. Civil Liability & home
    08
  6. VI
    Auto & guida
    6.1. Importing a car into
    09
  7. VII
    Trasporti
    7.1. Public Transport
    10
  8. VIII
    Sanità
    Switzerland is well-known for having very good medical care. Foreigners coming from certain countries, for example Russia, will be r...
    11
  9. IX
    Istruzione
    9.1. Swiss education system –
    12
  10. X
    Banche
    10.1. Swiss currency
    13
  11. XI
    Servizi postali
    Swiss Postal Service: "La Poste". Postal and payment services at all counters.
    14
  12. XII
    Acquisti
    12.1. Food
    15
  13. XIII
    Rifiuti & riciclaggio
    13.1. Waste Disposal and
    16
  14. XIV
    Animali domestici
    15.1 Import regulations
    17
  15. XV
    Contatti utili
    GENEVA - LAUSANNE - ZÜRICH - SWITZERLAND
    18
Precisione locale

Una guida pensata per la vita quotidiana, non solo l'arrivo.

I
Capitolo 1

Panoramica della Svizzera.

1.1. History

1.1

Panoramica della Svizzera

1.1. History

The origin of Switzerland dates back to 1291, when three cantons (Schwyz, Uri and Unterwald) signed a charter aligning the newly-founded conglomerate against the Habsburg dynasty. Over the centuries, other cantons joined this alliance and, in 1848, they drew up a Constitution, laying the foundations of the modern federal state. Switzerland today is made up of 26 cantons which all have their own cantonal laws and separate tribunals, but there is a Federal Court of Justice which can overrule them. All six cantons included in Central Switzerland are German-speaking, so are the neighbouring cantons of Zürich, Bern, etc. Its largest city has always been Lucerne due to its ideal geographical situation. Situated at the lower end of Lake Lucerne between the Alps with high mountains and pass roads and the Swiss midlands, the city of Lucerne was predestined to be a centre of commerce (like Zurich and Geneva). Due to travelling merchants, foreign (especially Italian) influence was particularly strong. Excellent accessibility of natural monuments in Central Switzerland made the region an important touristic destination. …And more specifically Zürich… Zürich started life as a Roman encampment called Turicum. Germanic tribes moved in by AD 400 and, in 1336, the already prosperous town underwent a minor revolution as craftspeople and traders took power, expelling the nobles and creating the 13 Zünfte (guilds) that long directed the city’s fortunes. Many still exist today and come out to play for the Sechseläuten festival. In 1351, Zürich joined the Swiss Confederation and, in the early 16th century, became a key player in the Reformation under Huldrych Zwingli. In the following centuries, it grew rich on textiles and banking. Due to Switzerland’s neutrality during both world wars, Zürich attracted all sorts of personalities, from James Joyce to Vladimir Lenin. The countercultural Dada art movement was born in Zürich in the wake of the horrors of WWI, and many Dadaist works are still on display in Zürich’s Kunsthaus. Since the early 1990s, the city has shed its image as a dour town of Protestant bankers and morphed into one of Central Europe’s hippest hang-outs.

1.2. Geography

Switzerland is situated in mid-western Europe, in the Alpine region. It is bordered by five foreign countries: France to the West, Germany to the North, Austria and Liechtenstein to the East and Italy to the South. Switzerland is a small country. The total area is 41’284km2 which includes a large green belt area. The capital city, Bern, is located in the German- speaking part of the country. Central Switzerland covers approximately 1/10 of the surface of Switzerland. Zürich Culturally vibrant, efficiently run and attractively set at the meeting of river and lake, Zürich is regularly recognised as one of the world’s most liveable cities. Located in the northeast of Switzerland, in the eastern part of the Swiss plateau, at the northern end of Lake Zurich and about 30 km from the Alps. The city is located in an ancient glacial valley, 408 m above sea level, where the Limmat river originates from Lake Zurich before being joined by the Sihl. More information on www.zuerich.ch

1.3. Population

There are over 8.4 million inhabitants in Switzerland, where approximately 9.5% are located in Central Switzerland. ThecityofZürich has a population of around400’000 residents: the Canton of Zürich alone boasts almost

1.5 million inhabitants. Lucerne has a proportion of

approximately 26% of foreign residents. More information on www.bfs.admin.ch

1.4. Climate

Because of its central position, Switzerland’s weather is influenced by the four main European air currents – those from the Atlantic, the eastern continent, the northern sub polar region and the south Mediterranean. The climate is temperate on the Central Plateau, otherwise it differs from region to region. The Alps, extending from east to west, form a major weather division between the north and south of Switzerland. At high altitude, it is often warm during the day and cold during the night, even in the summer. More information on www.meteosuisse.ch or dial #162 (information in French, German or Italian), or in any local daily newspaper. A mobile app is also available for more information and weather forecast.

1.5. Languages

Switzerland is quadrilingual: German (74% of the population), French (21%), Italian (4%) and Rumantsch (1%); this can be explained by its federal structure. Geneva, Neuchâtel, Jura and Vaud cantons are exclusively French-speaking; the cantons of Berne, Fribourg and Valais are bilingual (French & German). Except for the Tessin canton (Italian speaking) and Grisons canton (Italian, German and Rumantsch), all the other cantons are only German- speaking. Naturally, foreign languages are taught at school and most people are multilingual. In any given region, children have to learn at least one of the other two main national languages, most often French or German as a second language, depending on where they live. And it is true: German people speak better French than French speak German! As Zürich is located in the German part, the common language is German.

1.6. Economy

Zurich is an amazing city in Switzerland with both tourist attractions to visit as well as a thriving economy. Zurich is a leading global city with a vibrant financial center. Zurich benefits from the high level of investment in education that is typical of Switzerland in general and provides skilled labor at all levels. Many of Switzerland’s research and development centers are concentrated in Zurich, but the most important is the service industry. About 330,000 people have found work in Zurich, with about 90 percent in the service sector. Other important industries include light industry, machine and textile industries and tourism. Other areas of growth include biotechnology and life sciences. Most Swiss banks are headquartered in Zurich and there are numerous foreign banks in the Greater Zurich Area. The Swiss Stock Exchange, called SIX Swiss Exchange, was established here in 1877 and is the fourth most prominent stock exchange in the world. The main stock market index for the SIX Swiss Exchange is the SMI, the Swiss Market Index. The index consists of the 20 most significant equity-securities based on the free float market capitalization. In addition Zurich is the world’s largest gold trading center. Zurich also benefits from the presence of Kloten Airport which is one of the most important in Europe. Kloten is the main hub of Swiss airline.

1.7. Religion

The Swiss are in majority Christian (72%). Zürich has been historically Protestantism, but ratio has tended to lower down over the years. Nowadays Roman Catholic represent 33.3% of the population and

II
Capitolo 2

Autorità locali & immigrazione.

2.1. Police

2.1

Autorità locali & immigrazione

2.1. Police

There is no uniformed federal police force, since law and order is the responsibility of each Canton. Besides the Cantonal police, Switzerland also has individual city and town police squads and non- uniformed federal police. The Swiss are generally law-abiding. You do not often see policemen on the streets, and if there is an incident, they respond quickly to a Tel call. All police officers are armed, efficient and courteous. However, the number of minor incivilities is on the increase and there is a focus on cracking down the large number of illegal immigrant workers as well, which means that you can be stopped at any time in the street and asked to show your passport, residence permit or identity card.

2.2. Crime

Compared to other European countries, Switzerland has a low crime rate, although it has increased in the last decade, particularly damage to property. Violent crimes are relatively rare. In the recent years, there has been a rise in bicycle theft; you are advised not to leave them unlocked. In the summer, gangs of burglars tend to flock to Switzerland from Eastern Europe, so it is a good idea to hide and lock-up valuables when absent from home. A safety-deposit box can easily be secured, on a rental basis, in any bank. In Zurich, Lucerne, Geneva and Basel – as in big cities everywhere - there are pickpockets. Be careful when shopping in supermarkets or in any crowded place!

2.3. Immigration

For nationals from non-European Union (EU) / European Free Trade Association (EFTA) countries, the Swiss immigration process is fairly complex and decentralized. Each Swiss canton has a certain amount of autonomy over immigration into its canton.

2.3.1. Non EU/EFTA nationals working in

Switzerland A work authorization, visa and residence permit are required in Switzerland. A complete work and residence permit application together with documentary evidence and arguments must be sent by the employer to the appropriate cantonal immigration authority. Once this application is approved, a Swiss «entry guarantee» is issued. With the «entry guarantee», a visa can be collected at the Swiss diplomatic post in the applicant’s home country or other country of legal residence. Upon entry into Switzerland, the applicant must register with the cantonal immigration authorities and to the biometric data to finalise the process and have the permit issued. Processing times for work and residence permits vary depending on the canton, but between eight to twelve weeks is generally the average in a new hire situation. Swiss entry visas are normally issued in less than a week.

2.3.2. EU/EFTA nationals working in

Switzerland Although not a member of the EU/EFTA, Switzerland has several agreements with EU/EFTA that allow Swiss nationals to enjoy many privileges of the EU/ EFTA, and also allows EU/EFTA nationals to enjoy privileged status in Switzerland. There are however different levels of agreements depending on when the member state joined the EU/EFTA. Bilateral agreements on the free movement of persons are in full force for the following countries: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Netherlands, Portugal, Spain, Sweden, United Kingdom, Cyprus, Malta, Iceland, Liechtenstein and Norway. Though nationals of these countries still need to apply for Swiss work and residence permits, the consideration and issuance process is fairly straightforward and not subject to any quotas. The bilateral agreements on the free movement of persons that apply to EU member states that joined the EU in May 2004 (i.e. Bulgaria, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Romania, Slovenia, Slovakia) confirm that nationals of these countries are subject to transitory immigration measures. Work and residence permits issued to nationals of these countries are subject to certain quotas and additional controls to protect the local labour market. You will need to show your work permit when purchasingacar,opening a bank account or a driver’s license, getting a mobile number, etc. As it takes some weeks to get the permit itself, you need to ask for an attestation at the “Amt für Migration” in the meantime. Although it is not a legal requirement, we do encourage you to carry your Swiss permit with you at all times, or at least a copy, especially for re- entry into Switzerland. The partner/spouse of an employee may be able to work, depending on the type of residence permit granted to the hired relocating party. A ruling allows the partner of a B-permit holder to be employed without being subject to the usual quota restrictions. They will still need to obtain permission to work. Again, the residence permit procedure will be conducted through the prospective employer. Local migration offices

III
Capitolo 3

Alloggio.

3.1. Zürich Housing Situation

3.1

Alloggio

3.1. Zürich Housing Situation

The standard of living in Switzerland is high and so are the infrastructures, however there is an acute shortage of affordable accommodation in Switzerland, especially in certain area of Zürich. Shortage of places to live is common throughout Switzerland. The vacancy rate for apartments and houses has fallen to 0,91% on average for the whole country and 0.9% for Zürich only. According to the Federal Office of Statistics, the two principal reasons are: population growth resulting from the arrival of multinational companies and a stagnation in new-build houses or apartments. Housing accounts for around 25 to 30% of the average family budget. Most families want to live close to their children’s school, while most singles or couples want to live close to their office or in a lively area. The cost will vary considerably depending on the construction year, size, facilities and location of the accommodation. When a vacant property is renovated, the new tenant can expect an increase in rent. Given the lack of available apartments, some tenants take advantage of the situation by subletting their apartment -furnished or not - at a higher price. The previous boundaries of the city of Zürich (before 1893) were more or less synonymous with the location of the old town. Two large expansions of the city limits occurred in 1893 and in 1934 when the city of Zürich merged with many surrounding municipalities, that had been growing increasingly together since the 19th century. Today, the city is divided into twelve districts (known as Kreis in German), numbered 1 to 12 :

• District 1, known as Altstadt, contains the old

town, both to the east and west of the start of the Limmat river.

• District 2 lies along the west side of Lake

Zurich, and contains the neighborhoods of Enge, Wollishofen and Leimbach.

• District 3, known as Wiedikon, is between

the Sihl river and the Uetliberg, and contains the neighborhoods of Alt-Wiedikon, Sihlfeld and Friesenberg.

• District 4, known as Aussersihl lies between the

Sihl and the train tracks leaving Zürich Hauptbahnhof.

• District 5, known as Industriequartier, is between

the Limmat and the train tracks leaving Zürich Hauptbahnhof, it contains the former industrial area of Zürich which has gone under a large scale rezoning to create upscale modern housing, retail and commercial real estate.

• District 6 is on the edge of the Zürichberg, a

hill overlooking the eastern part of the city. District 6 contains the neighborhoods of Oberstrass and Unterstrass.

• District 7 is on the edge of the Adlisberg hill as

well as the Zürichberg, on the eastern side of the city. District 7 contains the neighborhoods of Hottingen and Hirslanden.

• District 8, known as Riesbach, lies on the eastern

side of Lake Zurich.

• District 9 is between the Limmat to the north

and the Uetliberg to the south. It contains the neighborhoods Altstetten and Albisrieden.

• District 10 is to the east of the Limmat and to

the south of the Hönggerberg and Käferberg hills. District 10 contains the neighborhoods of Höngg and Wipkingen.

• District11isintheareanorthoftheHönggerberg

and Käferberg and between the Glatt valley and the Katzensee (Cat’s Lake). It contains the neighborhoods of Affoltern, Oerlikon and Seebach.

• District 12, known as Schwamendingen, is

located in the Glattal (Glatt valley) on the northern side of the Zürichberg.

3.2. Renting an accommodation

In Zürich, the number of rooms counted in an apartment description includes the living room and bedroom so a two-room apartment consists of the living room, bathroom, and one bedroom.

• Rental application - when applying for

accommodation, a series of documents will need to be submitted with the rental application :

- Salary attestation

- Passport or ID card

- Attestation of work/stay authorisation for non-

EU citizen

• Lease contract - issued for various duration

depending on the place, the landlord, etc. However most often leases are issue for an initial duration of 1 year renewable. More and more leases are issued for a fixed term and non- renewable period of one year. This being said, if all goes well during the tenancy the lease is most probably renewed.

• Cancellation notice – to cancel a lease contract,

tenants must give a 3-months advance notice for the quarterly terms, at the exception of December 31st.

• Liberatory clause - this clause entails that as of

the second year of rental, in the case of transfer out of the canton or Switzerland for professional reasons the lease can be cancelled with three months’ notice for the end of a month. Although Welcome Service will request it, it is not automatically granted.

• Deposit - the deposit or bank guarantee is

equivalent to up to three months of rent and must be established prior to the entrance inspection (see below). Cash or checks are not accepted; the money must be blocked on a special bank account in Switzerland during the entire length of the lease. Upon vacating the premises, and providing that the premises have not been deteriorated beyond ‘normal wear and tear’, the guarantee will be released. If the total amount of the guarantee is below CHF 20’000.- this can be taken care of by Swisscaution or Firstcaution, but you will need to receive the approval from the estate agency first. A yearly fee is due depending on the amount of the bank guarantee. More information on www.swisscaution.ch or www.firstcaution.ch

• Rent - Must be paid by the 1st of each month.

• Entrance inspection – Before moving into

your home, an entrance inspection is always completed in presence of the real estate agency. Welcome Service will be present during this formality and we highly recommend your presence as well. Entrance inspection is the base of the exit inspection.

• Civil liability insurance – see Chapter 5

• Home content insurance – see Chapter 5

• Garbage – Switzerland recycles a relatively high

proportion of household waste, so Swiss people sort their rubbish for recycling. The manner and timing of waste collection depends on where you live. Most buildings have a bin room located in the basement for taxed bags that you will purchase in the supermarket. Recycle station are available with special containers for compost, aluminium, batteries, standard garbage, glass, plastic, etc.

3.3. Some of your

responsibilities as a tenant

• Excessive wear & tear – You will be expected to

replace,repair or clean damaged,lost or soiled items.

• Holes in the wall – You are allowed to hang

up pictures on the walls but when leaving the apartment, the holes must be filled in. For this job, we recommend you to contact a painter.

• Damages caused by pets – You will be

responsible to repair any damages done by your pets.

• Maintenance of household appliances/

equipment.

• Repair of damage caused by leaking pipes (gas

or water), frost.

• Fireplace – The chimney must be swept once

a year. Usually the chimney sweeper will get in contact with you directly. Please keep in a safe place invoices as they will be requested at the exit inspection.

• Heating system – If the heating is an individual

system, a control must be done once a year. You may also be requested to subscribe to a yearly maintenance contract.

• Boiler – The boiler must be de-scaled once every

two years. It is usually done shortly before the exit inspection.

• Oil tank – You should check your oil level twice a

year and add fuel if necessary.

• Gutters, ditches and rain collectors – Due to

the fall of the leaves in autumn, you should clean the latter as they might be obstructed. You can do this yourself or contract the services of a gardener or handyman. This will have to be done before leaving the house.

• Pipes – Due to the low temperatures, the

external pipes may freeze in winter. You should therefore close the water supply and empty the pipes to prevent them from freezing. The tenant will be held responsible of any damage caused by freeze. Please note that some gardeners are willing to do that for you, so do not hesitate to ask them.

• Pipe works – The tenant must regularly clean

and bear the cost of cleaning the internal and external drains. Some landlords/agencies will request this to be performed for the exit inspection.

• Parasites, rodents, wasps, etc. – Inform your

lessor immediately of any problems. Your lessor will provide you with details of a specialist to deal with these problems, and will most probably supervise the interventions, to make sure that you are not responsible for these pests.

• Maintenance of the garden – Unless otherwise

stated in the lease contract, tenants are responsible for the maintenance of the garden. The landlord/agency will expect tenants to return it in the condition they received it. Responsibilities include: trimming of the hedges and small trees once a year, regular lawn mowing, fertilizing and scarifying if necessary, maintenance of the flower beds, regular watering of the lawn, flower beds and small trees, removal of all waste material from the property, cleaning of the terrace with a water blaster at least once a year. The lessor has the right to request that a professional takes care of the above mentioned, at the tenant’s charge, if the tenant has not done anything, despite warnings in writing.

• Swimming-pool – We recommend you to hire

a professional company to take care of the wintering and the reopening of the pool.

3.5. Price of electricity

• Electricity is usually at each tenant’s expense and

is billed based on the consumed kilowatt-hour (kWh)

• The price of the kilowatt-hour varies depending

on your home address and the amount of electricity used (appliances, cooking, heating, etc.). Price of electricity

3.4. Construction Standards

• Kitchen : usually fully equipped. In anything

from a studio to a three-room apartment, the kitchen is usually equipped or semi-equipped; fridge, cooker, or extractor fan. In new buildings, appliances are of very good quality but freezers may nevertheless still be very small. Kitchen are usually not equipped with microwave. Curtain rails are mostly present.

• Laundry facilities in apartment: sometimes

equipped with connection in order to install your personal appliance – installation must be done by a professional. In most buildings there is a common laundry-room with washer and dryer shared with rotas for tenant use.

• Laundry facilities in house : sometimes equipped

or not but there are always the connections.

• Lighting : apartments are handed over with bare

electrical wires which mean there is no obligation from the landlord to provide sockets or hooks.

• No curtain rails or curtains are provided but

shutters or blinds are installed.

• Parquet or tile floors for living areas.

• There are no fly or mosquito screens on windows.

• There is no air-conditioning installed.

• New apartments tend to have smaller bedrooms;

we recommend you to check before bringing your king-size bed.

• For new or renovated accommodations,

the possible establishment of a telephone connection is at the charge of the entering tenant.

IV
Capitolo 4

Allacciamenti (energia, telefono, internet, TV).

4.2. Telephone & Internet &

4.1

Allacciamenti (energia, telefono, internet, TV)

4.2. Telephone & Internet &

Television Swisscom is the main provider and offers various combined packages with or without landline and combining telephone, internet, TV and/or mobile. Internet speed will vary according to the address. Alternative providers (i.e. Salt, Sunrise, UPC, local providers) can also be available depending on the address. Once applied for, this can usually be installed within a week. Should the premises be new or have been empty for a long time, an electrician will have to be contacted to reactivate the telephone line. This will be at the entering tenant’s expense. Welcome Service will provide you with up-to-date information once you have found a home. More information on www.swisscom.ch or (+41) 0800 800 800 or www.comparis.ch.

4.3. Cable TV

City apartments are sometimes connected to cable TV enabling you to receive approximately thirty basic channels with the standard subscription. More channels and different packages are available on demand. Sometimes the monthly basic subscription is included in the monthly rent. Radio/TV/Satellite outlet Optic fiber outlet Radio Number of the fiber optic cable outlet (OTO ID) Sockets for your WLAN modem (you will find out the number (1 to 4) during the activation process) TV Satellite Before moving into your house/apartment, Welcome Service will take care of all connections on your behalf.

4.1. Utilities

Utilities include the following: electricity, gas, heating and water. The amount that you pay will depend on your consumption. When renting an apartment, provisional maintenance charges (heating and hot water) are generally paid with the monthly rent to the agency. Once a year estate agents actually read meters and send the yearly breakdown to tenants. Then tenants either have to pay an additional amount or receive a refund. Electricity and gas are always billed independently by the supplier. When renting a house, all utilities are always additional to the monthly rent. Before connecting your electrical appliances, check that the voltage is 220 volts. If not, you will need to buy a transformer to convert the voltage to220volts. It is also likely that plugs will not be the same as the ones in your home country. Should this be case, you can either replace them or buy adapters. Depending on the duration of your stay in Switzerland, we do recommend that you buy new ones. All utilities (electricity, gas and water) are managed by individual providers in each canton. Provisional bills are sent usually every two months and payable within 30 days. The final meter reading is processed once a year and final invoice is sent by postmail. Some providers may propose as well Internet & telephone packages. Price of electricity

4.4. Mobile Phones

The main mobile phone operators in Switzerland are Swisscom, Salt and Sunrise. Swisscom is slightly more expensive but has one of the best quality networks. Various types of subscriptions are available with these providers depending on your frequency and type of use. Normally one must wait to have received the residence permit to be able to subscribe to a mobile phone. However through Swisscom, we can order this for you even without a permit. More information on www.swisscom.ch or www.salt.ch or www.sunrise.ch. Making a telephone call

• To call the Central Switzerland area dial the

number with area code 041

• To call other cantons dial the number with area

code (please refer to list below) Swiss telephone area codes

• To call Switzerland from another country, dial

country code (+41) + area code without 0

• To call another country from Switzerland dial

country code + area code Main international country codes

4.5. SERAFE (Radio / TV Tax)

It is a legal requirement for all Swiss residents to pay the tax if you have access to TV and/or radio programmes, and you are risking high fines if you choose not to (up to CHF 5’000.-). If you have a computer with an internet connection, and if you watch TV on internet (streaming etc) you must pay both the TV & Radio tax. The same goes if you receive TV programmes via any satellite (Sky, Canal+, etc). More information on www.serafe.ch

11.1. Import: Custom/VAT

In principle, every item sent from abroad is subject to customs duties and VAT and must be declared to Swiss Customs for taxation. Courier or postal consignments are declared by the carrier (i.e. DHL, UPS, Swiss Post, etc.) on your behalf. Once the carrier has completed the customs declaration, the amount of any tax and/or duty payable are worked out. Any charges due are billed to the recipient. Furthermore, gifts mailed from individuals living abroad to individuals in Switzerland are duty-exempt up to a value of CHF 100.-. Goods purchased on the Internet do not satisfy these conditions and are subject to duty in accordance with the general provisions.

V
Capitolo 5

Assicurazioni.

5.1. Civil Liability & home

5.1

Assicurazioni

5.1. Civil Liability & home

content Insurance Civil liability insurance is compulsory for all tenants and covers any accidental damage to other people’s and/or to the rented property. All family members living officially together are covered. Cost depends on the amount insured. An attestation of the policy will be requested by the real estate company for the entrance inspection. Home content insurance is often combined with civil liability and covers personal belongings against natural hazards such as fire, flood, gas explosion, etc. The best basis for valuation is the removal inventory.

5.2. Car Insurance

All cars must be insured. If your car has Swiss registration plates, the insurance must also be Swiss. You can choose between the following types of insurance:

• Third-Party – includes passenger cover and is

compulsory in all cantons.

• Part Comprehensive – known in some countries

as third-party, fire and theft. Includes cover against fire, natural hazards, theft, broken glass and damage caused by a collision with animals. You can usually choose to pay a deductible, for example the first CHF 500.- to CHF 2’000.- of any claim, in order to reduce your premium. Part comprehensive insurance is compulsory in some cantons.

• Full Comprehensive – covers all risks including

self-inflicted damage to your own car. You can choose to pay a deductible in order to reduce your premium. It’s usually compulsory for leasing and credit purchase contracts.

• Insurance company – check with your company

if they have a special arrangement. If not, there is a list available at Welcome Service. If you import your car from your home country and keep the foreign registration plates, do not forget to keep your foreign insurance. Please note: Do not forget to ask your current insurance company for a certificate confirming a good driving record, the starting date of your insurance policy, its date of expiry, and the length of your no-claims period in order to qualify for a full discount on your car insurance premiums in Switzerland. Third party up to CHF 200’000.- are covered by your Civil Liability Insurance. Damages caused to yourself are covered by your personal accidents insurance.

5.3. Bicycle Insurance

• Physical and material damages caused to a third

party up to Chf 200’000.- are covered by your Civil Liability Insurance. Damages caused to yourself are covered by your personal accidents insurance.

5.5. Pet Insurance

Damages caused by pets like dogs and cats are generally covered by your Civil Liability Insurance, but please verify this with your insurer and ask for a policy that states this coverage. For medical care (caused by illness or accidents), you can obtain an insurance with Epona, but double check the coverage. More information on domestic animals, see Chapter 14.

5.4. Health Insurance

Basic health insurance (Krankenversicherung) is compulsory for everyone who lives or works in Switzerland. Foreigners are required to obtain coverage within three months of their arrival in the country. Please note that it is your own responsibility to contact the insurance provider in order to set up your cover.

• Health insurance can be taken out with a

health fund or a private health insurance company. It is usually necessary to affiliate with a Swiss insurance company, as Swiss insurance authorities do not always accept global health insurances, even when the policy covers medical care in Switzerland.

• Basic insurance required by law covers medical

treatment in case of sickness and maternity, accident being normally covered through the employer. It includes: hospitalisation in a common ward, basic ambulatory and recognised medication by the Office Fédéral des Assurances Sociales (OFAS).

• Complementary cover includes: health

cures, medications not recognised by OFAS, prostheses, homeopathy, ambulance expenses, private and semi-private rooms in hospitals, etc.

• Employers sometimes benefit from group

policies from health insurers which can offer employees discounted premiums. Legally, employers are required to insure all employees in the event of accidents; in such cases, costs will be split in half between the employer and the employee.

• Health and accident insurances are mandatory

for spouse and children. As a family is not necessarily covered by one parent’s affiliation, each family member must be insured individually.

• It is possible to take out an international

worldwide health insurance policy which may be of particular interest to people living in Switzerland temporarily or to those who are frequently changing countries. However, you need a special exemption and it must provide the same or better cover than a basic Swiss health insurance. More information: www.comparis.ch

VI
Capitolo 6

Auto & guida.

6.1. Importing a car into

6.1

Auto & guida

6.1. Importing a car into

Switzerland If you are not a European Resident, we strongly recommend you not to import your car into Switzerland Customs Clearance

• A car can be imported into Switzerland free of

tax if you have owned it for at least six months before moving to Switzerland, and you are importing it as part of your personal belongings.

• If the car has been in your possession for less

than six months, the following taxes must be paid:

- 4% of the value of the car

- 7,7% of VAT

- 12 to 15 centimes per kilo (except for

holders of a European conformity certificate)

- CO2-fees

- administrative fees

• It is preferable to have the removal company

deal with the car importation, or at least go through the same border post as the rest of your effects. If that is not possible, the car can be cleared later.

• During customs clearance at the border, you will

need the following documents:

- 18.44 Form – the official form listing your

personal belongings brought to Switzerland, including your car

- Your Swiss resident permit or your

Autorisation de Séjour

- The foreign car registration papers (called

the carte grise or grey card in Switzerland)

- Photocopy of the lease contract

- For vehicles with German plates: the

Kraftfahrzeugbrief & for vehicles from Italy: Foglio complementare

- Cash, as it is not always possible to pay with

credit cards Additional information available at Head Customs Office Tel: (+41) 058 467 15 15 Call opening hours: Monday to Friday, from 08:00 to 11:30 and from 13:30 to 17:00. Vehicle Control & Exhaust Emission Tests Registration

• Although you are allowed to drive your car in

Switzerland for a maximum of one year with customs authorisation (form 15.3), we advise you to make an early appointment with the garage representing your type of car and get them to prepare your car for the mandatory control and exhaust emission tests requested by the canton’s vehicle registration office. It is also recommended that the garage handles the registration of your car, this service will be billed directly from the garage to you.

• The following papers will be requested :

- 13.20A form delivered and stamped by Swiss

Customs

- 18.44 form

- Foreign registration plates

- Car registration papers (carte grise)

- Valid Swiss insurance policy

- Original EC certificate of conformity or

duplicate in French, German, Italian or English.

- Swiss residence permit

- Car service handbook showing technical and

motor specifications

- If possible, the invoice attesting to the

purchase of the car CO2 emission regulations for passenger vehicles

• The Confederation is aiming to reduce average

CO2 emissions in the case of new passenger vehicles. From 1 July 2012, a fine (sanction) will thus have to be paid when new passenger vehicles are registered for the first time if they do not reach a specific target value (on average 107 g of CO2 per km). This sanction will not, however, be imposed at the import customs clearance but will be imposed subsequently by the Federal Roads Office (FEDRO). Therefore, when importing a new passenger vehicle for personal use, please take into account that a sanction tax may be incurred in addition to the customs clearance costs if the target value is not achieved. More detailed information can be found at the Federal Roads Office (FEDRO) link below, where answers to other questions on this topic can also be found.

• Please note that your car cannot be registered in

Switzerland before you are in possession of your Swiss residence permit. Therefore you should ask a two to three month extension of your current insurance policy to cover you in Switzerland.

• You are allowed to use your own car (registered

under your name) in Switzerland for up to 1 year (from your official entry date) as long as your foreign insurance covers you here with unlimited validity despite your move.

6.2. Driving License

Your foreign driver’s license is valid in Switzerland for 12 months following your arrival date in Switzerland, but we strongly advise you to change it immediately upon your arrival. Should you get controlled by the police and do not have a Swiss driver’s license, you will be fined, and have to change your driver’s license to a Swiss one as soon as possible. To obtain a Swiss driver’s license, the following documents must be submitted:

• Application form completed

• Foreign driver’s license – the date of issue

written on your driver’s license will considered as the date you passed your driver’s test.

• Swiss residence permit

• Two colour passport photographs (please

indicate first and family name on the back of them)

• Eye test – to be obtained from an authorized

optician in Geneva

• Original identification document

• Proof of payment

A driver’s license delivered by a European country will on a general basis be sent back to the motoring administration of the country of origin. A driver’s license delivered by a non-European country will on a general basis be returned to its owner with a stamp “not valid in Switzerland”. Certain nationalities (e.g.: most African countries, Australia, New Zealand, most Asian countries, most South American countries, and most Arabic countries) will have to pass a formal driving test (approx. one hour at an additional cost).

6.3. Driving in Switzerland

There are road rules and signs that you must know; the general ones are contained in the Handbook of Swiss Traffic Regulations, published in French, German, Italian, English and Spanish. We strongly recommend you to buy it. Here are some general indications:

• You can drive a car from the age of 18

• The Swiss drive on the right-hand side of the

road

• It is compulsory for seat belts to be fastened in

both the front and back seats

• Children under the age of 12 must be seated

at the back. They can only ride in the front passenger seat if it is impossible for them to sit at the back

• Bus, taxi and cycle lanes are yellow and must be

left clear by other drivers

• Drivers on a roundabout have priority over

those entering it i.e. give way to the left

• At a stop or give way sign, priority is given to

traffic coming from the right

• If you want to drive on Swiss highways

(motorways), you must purchase (Chf 40.- / year) a sticker called a Vignette, available at the border crossings into Switzerland, post offices and petrol stations. This Vignette has to be stuck to the inside of your windshield, and be clearly visible, it gives you unlimited access to all highways (motorways) across Switzerland for the indicated year on the Vignette

• It’s forbidden to use your mobile phone whilst

driving unless you use a hands-free kit

• Public transport and pedestrians have priority

over cars

• Road signs:

Highways (motorways): green Main roads: blue Secondary roads: white

• Speed limits are

Motorways: max 120 km/h Dual carriageways: max 100 km/h, Secondary highways: max 80 km/h Urban areas: max 50 km/h Residential areas: max 30 km/h Every year, you will have to pay tax on your car based on the category of the car and the engine power. Vehicle’s tires In Switzerland, there is no legal requirement that a vehicle must be fitted with winter tires in winter. However, the driver is obliged to drive in a safe and reliable vehicle and must always be able to maintain control of the vehicle in any situation. In winter conditions, driving with summer tires, does not fulfil this obligation and is therefore punishable. If, in the event of an accident, the driver is held liable because his vehicle was not properly equipped for winter use, his insurance may reduce his benefits or even claim against him for negligence. Laws governing the use of winter tires in Europe vary from country to another and sometimes even from region to region. If you are planning to travel with your car, we highly recommend that you check the country’s regulation beforehand.

6.4. Vehicle Registration Office

Vehicle Registration Office

6.5. Buying a car in Switzerland

In order to buy a car in Switzerland, one must have a permit as well as a Swiss driver’s license. New cars - All new cars must be fitted with a catalytic converter. In most cases, cars are bought by leasehold. Some dealers grant a discount of approximately 10%. Used cars - Second-hand cars are usually in very good condition, well-maintained and available with interesting options. Garages often offer a one year guarantee; however, you should be cautious when buying from a private individual. If you are a member of TCS (Touring Club Suisse), you can ask for one of their agents to come and give the car a once over. Welcome Service can provide you with a list of new or second-hand car dealers depending on what kind of car you want to buy but you can also look at the classified ads section in the local newspapers. Autociel If you need a car while you are relocated in Switzerland, Autociel will help you find the best deals. They help you find new cars, second hand cars or even import or sell your car. It has rapidly become the leading car dealer for expatriates in the Romandie. Whatever you need or want, their team of experts, most of whom speak fluent English as well as other languages, can give you excellent advice, free of charge. More information: Tel. (+41) 021 796 37 37 or www.autociel.ch

6.6. Car Insurance

It is compulsory to have car insurance. For information, see Chapter 5.

6.7. Parking

Major cities are notorious for not offering many cheap places to park (and certainly no free parking spots) but here are some possibilities: Public Indoor Parking Expensive but you can park your car for as long as you wish. You pay when exiting, with coins or notes. Depending on where you live and on how long you stay, it is possible to apply for a monthly subscription which could be less expensive. Here are the main ones in Zürich :

• Parkhaus Urania – Uranistrasse 1 – 8002 Zürich

• Parkhaus Hohe Promenade

Rämistrasse 22a - 8001 Zürich

• Parkhaus Hauptbahnhof

Sihlquai 41 - 8005 Zürich

• Parkhaus Helvetiaplatz

Molkenstrasse 5/9 - 8004 Zürich

• Parkhaus Hardau II

Bullingerstrasse 73 - 8004 Zürich

• Parkhaus Vorderberg

Vorderberg 3 - 8044 Zürich

• Parkhaus Dorflinde

Schwamendingenstrasse 31 - 8050 Zürich

• Parkhaus Zürichhorn

Dufourstrasse 142 - 8008 Zürich

• Parkhaus Feldegg

Riesbachstrasse 7 - 8008 Zürich

• Parkhaus Hardturm

Hardturmstrasse 421 - 8048 Zürich

• Parkgarage am Central

Seilergraben - 8001 Zürich

• Parkhaus A-Park

Albisriederstrasse 334 - 8047 Zürich

• Parkhaus Albisriederplatz

Badenerstrasse 380 - 8004 Zürich

• Parkhaus Salmenpark

Baslerstrasse 2 - 4310 Rheinfelden

• Zürich, Bus Station

Ausstellungsstrasse 5 - 8005 Zürich

• Parkhaus Rämibühl

Zürichbergstrasse 12 - 8032 Zürich For live availabilities, you can check the following website: www.parkingzuerich.ch White Zones Parking spaces located in white zones allow you to park for a defined maximum time, depending on the area. All parking meters accept coins and some of them accept credit cards; do not forget to place the ticket on the dash board so that it is clearly visible. White zones are free at night & on Sundays. White zones in the suburbs are always free – double check! Blue Zones A blue-zone disk is required to park in a blue-zone area, Monday to Saturday from 08:00 to 19:00. The disk gives the right to park for up to one hour. Macaron This is the closest you’re going to come to parking for free downtown. The Blue Zone areas (recognisable because they are painted blue on the ground) require that you put a sign on the inside of your windshield, you are then allowed to park for 90 minutes. If you arrive at 14.45 it’s okay to start at 15.00, so you gain a bit of time. You can now buy day passes for blue zone areas for CHF 20.- and if you live in the area you can get a monthly pass for CHF 50.- only valid for the area where you live. Park & Ride These facilities, combining parking and a bus ticket, are located in Lucerne neighbourhoods near major bus lines. You park your car then you take the bus to go downtown.

6.8. Mobility Car Sharing

Mobility car sharing Switzerland provide vehicles around the clock, on a self-service basis to do what you need to do without owning a car. Mobility has 2’650 vehicles at 1’380 stations through-out Switzerland. You pick the car up at a station and use it for as long as you need and when you are finished, you return the vehicle in the same station Period of use : the shortest period of use is one hour. The maximum period you can use a mobility car is usually 16 days. Choice of station : With 1’380 mobility stations throughout Switzerland there is almost certainly a mobility car near you. You can check on: www.mobility.ch Pets with Mobility car sharing : Pets can also be transported in a Mobility car. Please make sure that they are either inside a suitable container or on a blanket, which you must provide. Parking : If a dedicated Mobility parking space is already occupied, use an authorized parking space within sight of the usual station and inform the 24h Service Center immediately on 0848 824 812. Mobility stations other than the starting station are not to be used as a parking space. Journeys Abroad: If you wish to drive the vehicle abroad, contact the 24h Service Center on 0848 824 812 to obtain an authorization. Fuel costs will be reimbursed against receipts, at the rates currently applicable in Switzerland. Special insurance cover such as European accident and breakdown cover is to be taken out at your own cost. As a general rule journey abroad are permitted only in the countries covered by the insurance. A current list of those countries can be found in the General Terms and Conditions. Reservation options : No reservation fee:

- Internet: www.mobility.ch

- Mobile reservation: www.m.mobility.ch

With reservation fee:

- 24H service center on 0848 824 812

You will find more information on the brochure: www.mobility.ch/fileadmin/files/documents/ brochures/How_it_works.pdf A mobile app is available for more information and online reservation

VII
Capitolo 7

Trasporti.

7.1. Public Transport

7.1

Trasporti

7.1. Public Transport

Public transport in Switzerland is of good quality; no strikes, punctual, frequent and clean. Most of them usually run from around 06:00 to around 00:00 (a bit later on the weekends and holiday periods). Lots of places can be reached through a network of trains, trams, buses, ships and cable cars. Each city runs its own buses network and more remote villages are connected via “Postbus” to the nearest train station. If you use public transport on a daily basis, it is advisable to purchase the Jahresabo. For more information : www.zvv.ch

7.2. Trains

The Swiss railway system is called SBB for Schweizerische Bundesbahnen in. It is very easy to travel across the country and throughout Europe, for example to Paris, Milan or Brussels, by train. Trains are free for children up to 6 years of age, then half-price up to 16 years and full price thereafter. The CFF offers different passes such as the half-fare pass in order to travel half-price in trains and boats, junior half-price to travel for free when accompanied by an adult, combined half-price and Track 7 to travel for free from 7pm to 7am and the general pass to travel all around Switzerland by train and all other forms of public transport for free. The CFF also provides some special day or week- end packages, such as skiing days, week-ends to Disneyland in Paris with hotel and train, etc. Half Fare travelcard Cut your travel costs in half with the Half Fare travelcard. You can travel for half price on all SBB routes and most other railways as well as on boats, buses and trams. The annual cost is CHF 185. You can take advantage of a loyalty price of CHF 165 a year once your Half Fare travelcard is automatically renewed after a year or you seamlessly change from a GA travelcard to the Half Fare travelcard. GA (General Abonnement) travelcard With the GA travelcard for 1st or 2nd class, you may use any kind of transport in Switzerland. The GA travelcard allows you to ride any kind of transport (train, bus, boat, etc) unlimited for a whole year. It is also available for children, students, senior citizens and families at a reduced price. The yearly cost for an adult in 2nd class is CHF 3’655.- SwissPass The SwissPass is more than just a public transport travelcard. It offers you access to numerous partner services such as Mobility carsharing, Publibike, SwissMobile, etc. The SwissPass is also available through the SBB smartphone app with all personal information stored. NB: CFF fares are subject to change each year in December. The main train station is:

• Zürich Hauptbahnhof, located in the centre of

town More information and reservation on www.sbb.ch or (+41) 0900 300 300. A mobile app is also available to purchase tickets and get more information.

7.3. Taxis

Taxis are easily available in Switzerland, most people call and book for taxis. Fares can be rather high, and depend on how many you are, the time of day, and your destination.

7.4. UBER

The main advantage of this transport is the technology. Indeed, you can order your driver, insert your route and destination as well as pay via the app. No need for cash money but before your first trip you must have downloaded the app, you are registered and have added your payment method so that you can make your first trip. More information on www.uber.com

7.5. Boats

There are excursions on the Lake Lucerne and Lake Zug throughout the year, but the high-season is from mid-May to mid-September, when there are a lot of boats navigating on the lake. There are lunch and dinner cruises, as well as inter-city, whole or selected parts of the lake, as well as panoramic trips (to show you the best views of the area. Buying a ticket: ZSG – Schifffahrten auf dem Zürichsee Main office, Bürkliplatz 1 www.zsg.ch or (+41) 044 487 13 33 Weekdays: 09:30-19:00 Weekends: 09h00-19h00

7.6. Airplanes

Zurich Airport is the largest international airport of Switzerland and the principal hub of Swiss International Air Lines. The airport serves the city of Zurich and much of the rest of the country through its transport links. The airport is connected to all major cities around the world with approximately 750 flights per day. 185 destinations are deserved with nearly 30% outside Europe. 80’000 people transit everyday via Zurich airport for a total of nearly 30 million passengers per year. The IATA code is ZRH. The airports of Geneva and Basel are also two major airports in Switzerland that can connect you to Europe. More information on www.zurich-airport.com or (+41) 043 816 22 11

VIII
Capitolo 8

Sanità.

Switzerland is well-known for having very good medical care. Foreigners coming from certain countries, for example Russia, will be required to have a health-check before moving to Switzerland. This check-up will be done in Switzerland, in any general public hospital. Before moving to Switzerland, please bring your family’s medical records as well as yours, as you will be asked for them upon arrival.

8.1

Sanità

Switzerland is well-known for having very good medical care. Foreigners coming from certain countries, for example Russia, will be required to have a health-check before moving to Switzerland. This check-up will be done in Switzerland, in any general public hospital. Before moving to Switzerland, please bring your family’s medical records as well as yours, as you will be asked for them upon arrival.

8.1. Hospitals

The Canton of Zürich offers several clinics and one major hospital : USZ, Universitäts Spital Zürich. It is one of the largest hospitals in Switzerland. Its departments and institutes offer top level medical services. Comprehensive services cover all medical fields from basic provision to highly specialized medicine. Numerous certifications in various fields. The choice of hospital or clinic depends on your health insurance cover and availability of the hospital’s relevant service. If you have basic health insurance, you will stay in a communal ward with two to four beds, semi-private in a two-bed ward and with private insurance you have your own room. For more information : www.gd.zh.ch/internet/ gesundheitsdirektion/en/home.html

8.2. Doctors

Depending on your health insurance contract, you can go to the doctor of your choice or may have to go to an appointed doctor. You should make an appointment before visiting the doctor. The invoice will be sent directly at your home and must be paid within 30 days. Send a copy of the invoice to your health insurance so that they can reimburse you for the consultation. Once deductible is reached, insurance will recover 90% of the cost but it could be less depending on whether the doctor is validated by the insurance (i.e. some policies do not cover alternative therapies).

IX
Capitolo 9

Istruzione.

9.1. Swiss education system –

9.1

Istruzione

9.1. Swiss education system –

Public schools All of Switzerland’s schools, both public and international, have a very good reputation, and most Swiss children attend their local public school. Education is one of Switzerland’s major strengths and is the country’s main asset to uphold its position in the top league of the scientific and economic world. The public school system varies in each canton. Children must attend the local school depending on where they live. Schooling is free of charge as it is included in your individual taxes. Children must be 4 years old by July 31st of the ongoing year to start school. The primary level consists of 8 years. Then children go to the secondary school for 3 years. After completing their compulsory education, teenagers have the choice between doing an apprenticeship or continuing their education in order to get further degrees such as: Swiss Maturity, Commercial Maturity, etc. Depending of the canton, teaching language is German, French or Italian. The second language would be one of the two remaining official languages of Switzerland. In recent years, however schools have started to introduce English as second language. As each canton is independent, teaching languages car vary from a canton to another. Children go to school on Mondays, Tuesdays, Thursdays and Fridays and also on Wednesdays mornings. Many schools do offer lunch facilities but not all of them. More information can be found on: www.educa.ch

9.2. The Private School System

Here is a non-exhaustive list of private schools in Zürich : Inter-Community School Zürich (ICSZ) www.icsz.ch Language : English Zurich International School (ZIS) www.zis.ch Language : English Lakeside School www.lakesideschool.ch Language : German/English Freies Gymnasium Zürich www.fgz.ch Language : German/English Lycée Français de Zürich www.lfz.ch Language : French/German International School of Zug and Luzern www.iszl.ch Language : English SIS Swiss International School www.swissinternationalschool.ch Bilingual : German/English

9.2.1. Additional Information

Swiss Federation of Private Schools 1, Hotelgasse - 3000 Bern Tel : (+41) 031 328 40 50 info@swiss-schools.ch www.swiss-schools.ch

9.3.DayNursery–Baby-Sittingservice

Day care for early childhood is a challenge in Switzerland. There are several kindergartens in the various neighborhoods of Zürich but waiting list can be quite long. All enrolments are managed by commune within each canton. Cost varies according to the income and one cannot choose the location of the kindergarten. For the list of child care centers per canton: www.edk.ch/dyn/11589.php

X
Capitolo 10

Banche.

10.1. Swiss currency

10.1

Banche

10.1. Swiss currency

The Swiss currency is divided in francs and centimes. Bank notes: 10, 20, 50, 100, 200, 1’000 Swiss Francs. Coins: 5, 10, 20, 50 centimes & 1, 2, 5 francs Normal bank opening hours are from between 08:00 or 08:30 and 16:30 or 17:00 Monday to Friday. If you need cash, you can use your bank card to withdraw money from an automatic cash machine at any time, day or night, including outside of bank opening times.

10.2. Opening a bank account

One of the first things you need to do when arriving in Switzerland is to open a salary or personal bank account. The account may be opened in your name or as a joint account with your partner. Your salary will be paid directly into your bank account. We advise you to check with your employer, before opening your account, whether the company has a special agreement with a particular bank. You can also open a savings account which generates higher interest rates than a salary account. Bank account can only be opened once you have a legal address and this must be done in person. You need to bring your passport and residence permit or residence attestation delivered by the local Authorities. A few days after submitting your application, you will receive a bank card which can be used only in the bank where you have opened your account. The Maestro will allow you to make the payments at supermarkets, shops, restaurants, hairdressers, fuel stations, and any other service-provider equipped with cash points and which bear an Maestro sticker on their window. Please note that Maestro is a debit card, not a credit card.

10.3. Bank listing

The two major Swiss banks are:

• UBS – United Bank of Switzerland

More information on www.ubs.ch Click on UBS locations to find out the closest office to you.

• CS – Credit Suisse Bank

More information on www.credit-suisse.ch Click on Where to find us to find out the closest office to you. But you may prefer to find a smaller regional, cantonal, private or foreign bank. The cantonal bank in Lucerne is called Luzerner Kantonalbank. www.lukb.ch The cantonal bank in Zug is called Zuger Kantonalbank. www.zugerkb.ch Others: Raiffeisen www.raiffeisen.ch, Migros bank www.migrosbank.ch What is a QR-bill? 1. + 2. The QR-bill is divided into two parts, a receipt and the payment section . It always contains readable details about the beneficiary, to which additional information can be added. 3. The QR-code contains all the information necessary for payment. 4. The QR-IBAN is the collection account number which replaces the old account number, known as BVR member number in the format 01-xxxxxx-x . Please note, if you have a standing order whose account number changes to a QR- IBAN, do not forget to modify it. 5. The reference of the QR-bill is to be reported on your payment order in the event of manual entry, as with the old ESRs.

10.4. Payment orders

Standing orders can be set up with your bank in order to pay regular bills, on the date of your choice (i.e. monthly rent of your accommodation). Payment orders can also be made by enclosing pre-printed giro payment forms and the total amount, with your instructions to the bank. You can also pay bills electronically since all Swiss banks have e-banking systems.

10.5. E-banking

In Switzerland, E-banking is a common way to manage your bank account. It allows you to find out quickly the balance of your accounts, securities positions in your custody account and obtain a consolidated overview of your assets (on request). You can also look up the details of pending or executed account credits or debits at any time. The Swiss Postal Service is La Poste in French. La Poste offices offer two services (postal services and payments), both available at all counters. However, make sure you stand in the relevant queue to save yourself the frustration of waiting for nothing. Banking and financial transactions At the Versements counter: Pay bills with a Einzahlungsschein (orange, blue or pink giro payment form). This payment form has two parts; the largest part is for the recipient and the small portion is for you to keep as proof of payment, make sure that the clerk has stamped your receipt. Other Services At the counter:

• Send letters, packages, faxes and telegrams

• Collect registered mail, packages, etc.

• Buy stamps and telephone tax cards

• Make telephone calls

• Buy Swiss motorway obligatory sticker (Chf 40.-)

• Make photocopies

You have the choice between fast (A-grade mail or Prioritaire) and regular (B-grade mail) delivery service. A-grade mail is more expensive but it takes only one working day for delivery anywhere in Switzerland and approximately two to three days in Europe. B-grade mail takes two to three working days. If you would like to dispatch a consignment with important or valuable contents, the best solution is to send a letter with proof of delivery “Registered (R)”. It is delivered against signature only by the next working day Mondays to Fridays; also Saturdays if the address is a P.O box. If the person is away during the delivery, he is notified with a yellow paper from the post office called Abholungseinladung meaning there is a 7-day holding period at the closest post office. Opening hours: Monday-Friday: from 08:00 to 18:00 – most small branches are closed at lunch time from 12:00 to 14:00. Saturday: from 09:00 to 11:00 More information on www.post.ch or (+41) 0848 888 888

XI
Capitolo 11

Servizi postali.

Swiss Postal Service: "La Poste". Postal and payment services at all counters.

11.1

Servizi postali

Swiss Postal Service: "La Poste". Postal and payment services at all counters.

Mail: A-grade (1 working day Switzerland, 2-3 days Europe). B-grade (2-3 working days). Registered mail delivered against signature with 7-day holding period. Opening hours: Mon-Fri 08:00-18:00 (small branches close for lunch). Sat 09:00-11:00.

Customs/VAT: Items from abroad subject to duties. Gifts from individuals exempt up to CHF 100. Internet purchases always subject to duty.

More info: www.post.ch or 0848 888 888.

XII
Capitolo 12

Acquisti.

12.1. Food

12.1

Acquisti

12.1. Food

12.1.1. Supermarkets

Supermarkets are open from Monday to Saturday. In the morning they open between 8:00 and 9:00 and they close around 19:00 except on Saturdays when they close at 18:00. They are open during lunch time. Most supermarket have a late opening night on Thursday evenings – closing time is 20:00 or 21:00 The two main supermarkets in Switzerland are Migros & Coop. Where there is a Migros, a Coop is not far away!

• Migros – www.migros.ch – This is a Swiss

supermarket chain which produces and sells its own products. Nowadays you may also find products of other brands. You can recognize a Migros as it is always signalled by an orange “M”. The more “M”, the bigger the Migros. “MMM” is the largest supermarket you can find in the area. Migros sells mostly food (but neither alcohol nor tobacco) but they have also opened shops which sell electronic appliances, clothes, sports accessories, do-it yourself and gardening articles.

• Coop – www.coop.ch – Coop is the main

competitor of Migros. The most important difference between the two is that in Coop outlets you can find different brands of products. Secondly, Coop sells alcohol, tobacco, and newspapers/magazines, which Migros doesn’t. Coop offers its own small product range but most of the products on sale are from big brands such as Kellogg’s, Findus, etc. Shops are closed on Sunday, but you will find small local grocery stores that remain open for a few hours on Sunday.

12.2. Shops’ opening hours

Shops are open from Monday to Friday, from 9:00 to 18:30 or 19:00 except on Thursday evening where some shops are open until 21:00. On Saturday, shops are open from 9:00 to 18:00. All shops are closed on Sunday except at some special locations such as airport or train stations.

12.3. Market

Every day of the week, there is a market in different place.

XIII
Capitolo 13

Rifiuti & riciclaggio.

13.1. Waste Disposal and

13.1

Rifiuti & riciclaggio

13.1. Waste Disposal and

Recycling System Switzerland is very conscientious when it comes to the environment, and every village has its own waste disposal and recycling systems which are set out on posters you can get from your local town hall or which can be downloaded at the bottom of this page. All waste which is disposed of in public rubbish bins has to be deposited either in special waste bags or bags with stickers on, both of which are specific to each canton

13.1.1. Chargeable rubbish bags

Each canton has its very own rubbish bags that is mandatory to be used and purchased within the canton of living. The purchase price of these bags includes a charge that covers the waste disposal costs. You can buy your official rubbish bags at the supermarket (Migros, Coop, etc) or at the Post Office. The bags must be requested directly at the cashier as they are not sold on shelves. The bags comes in different format (17l, 25l, 60l, 110l). These bags are then to be thrown into the large communal containers near homes or collected in the street on a designated day. One 35 litre bag costs CHF 2.90, so be sure to fill it completely before putting it out.

13.1.2 Green recycling bins

Every home should be equipped with a green/ compost bin where all edible peelings, grass, and any other garden disposals can be disposed. The bin is usually emptied once a week.

13.1.3. Recycling Centre

Swiss people are recyclers! There are multiple recycling centre around Central Switzerland where you can bring your recycling, which must be separated into paper, cardboard, plastic, glass, etc Here is a website mapping all recycling centres across Switzerland : www.recycling-map.ch

13.1.4. Recycling and waste disposal plan

The waste disposal poster is called “Abfallplan” and can be obtained at your local municipal (“Gemeinde”) office. It shows all the various timetables for refuse collection and the various recycling operations. Most areas have regular collections of paper and cardboard. These should be stacked neatly into bundles and tied with string like a parcel.

13.1.5. Electrical appliances

Televisions, computers, mobiles, etc should be returned to an electrical provider or to any shop selling new appliances. Retailers are obliged to take these appliances back free of charge. Alternatively they could be brought to a waste collection centre. Züri-Sack 14. Women’s interests Once a move is complete, and the children are settled in school, it is time to build up a social network. As an international city, Geneva provides excellent means to achieve this through the many women’s and international organizations. International Women’s Club Lucerne www.iwcl.net Zug International Women’s Club www.ziwc.ch International Mums and Kids Club www.imkc.ch International Men’s Club of Zug www.imcz.ch American Women’s Club of Zürich www.awczurich.org American Club Zürich www.acz.ch Zürich International Women’s Association www.ziwa.com Professional Women’s Group of Zürich www.professionalwomensgroup.com ©livingingeneva.wordpress.com

XIV
Capitolo 14

Animali domestici.

15.1 Import regulations

14.1

Animali domestici

15.1 Import regulations

General information Dogs, cats and ferrets are deemed to be pets if a total of not more than 5 animals are imported from third countries and they

- are kept in the household out of interest in the

animals or as household companions;

- accompany their owners (or another person on

behalf of the owner);

- are not intended to be to be sold or transferred

to another owner. More specific information about importing your cats, dogs or ferret can be found at http://blv.bytix.com/plus/dbr/default.aspx?lang=en An animal health permit is required for importing dogs, cats and ferrets from third countries if they are entering Switzerland via a Swiss airport from a “rabies risk country”. This requirement for a permit does not apply to animals entering Switzerland in transit through the EU by road or rail. The animals are controlled when they enter the EU according to EU regulations. The Swiss border customs authorities make spot-check controls occasionally. With a few exceptions, it is forbidden to import and re-import dogs with docked ears and/or a cropped tail. Identification Dogs, cats and ferrets must be correctly identified with a microchip. The microchip must comply with ISO Standard 11784 and must be readable by a reading device compatible with ISO Standard 11785. Therefore, make sure your animal is fitted with a so-called “Euro-chip”, which only contains digits as identification code and no asterisks (*). If a dog is definitively imported into Switzerland, it must be taken to a veterinarian within the first 10 days of entering the country: all dogs kept in Switzerland must be registered in a database by a veterinarian. Countries of origin and rabies risks Dogs, cats and ferrets may in principle be imported as “pets” from any third country. Requirements for rabies vaccinations, laboratory tests and waiting periods vary depending on the risk of dogs, cats or ferrets becoming infected with urban rabies in the country of origin. On www.blv.admin.ch and http://www.pettravel. com/immigration/Switzerland.cfm more information can be found on the general import rules. Please be aware difference is made between EU countries and ‘third countries’. Import documents - Veterinary certificate, confirmation, pet ID A veterinary certificate is needed to enter Switzerland from third countries accompanied by dogs, cats or ferrets as pets. This must be issued by the official veterinarian responsible in the country of origin. A sample certificate can be found at www.blv. admin.ch > Bringing pets to Switzerland > Dogs, cats, ferrets from third countries. Dogs and cats aged less than 3-month old not accompanied by their mother from countries at low risk for rabies must in addition be brought in with a veterinary confirmation; ask your veterinarian for more information. No pups aged less than 3-month old may be imported from rabies risk countries. There is also no exemption permit as there is with imports from the EU. For the re-importing of Swiss animals, the Swiss pet passport is sufficient if all import regulations are met and entered in this passport. AMICUS www.amicus.ch/Account/Login is the national database for dogs. Rex Transport www.avihandling.com can assist you when travelling with pets (or when pets travel by themselves). Should you need any further specific information, please do not hesitate in contacting Welcome Service info@welcome-service.ch

XV
Capitolo 15

Contatti utili.

GENEVA - LAUSANNE - ZÜRICH - SWITZERLAND

15.1

Contatti utili

GENEVA - LAUSANNE - ZÜRICH - SWITZERLAND

Rue Zurlinden 6 CH-1207 Geneva T  +41  22  707  61 50 Follow us on : Rue de Bourg 20 CH-1003 Lausanne T  +41  21  353 61 50

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