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Tax and your insurance

Part of what you pay in premiums and pension contributions comes off your taxable income. How much depends on the canton, and the gap between cantons is wider than most optimisations.

What is deductible

Pillar 3a contributions are deductible up to an annual ceiling set by the Confederation, different depending on whether you belong to a pension fund. Pension fund buy-ins are fully deductible with no ceiling, but lock the money until retirement.

Health and accident premiums fall under a flat deduction for insurance premiums, often already exhausted by LAMal premiums alone. Medical costs you bear yourself are deductible above a threshold expressed as a percentage of net income.

The dates that cost you the deduction

A pillar 3a payment must be credited by 31 December, not merely instructed. A transfer started on 30 December may be booked in January and be lost for the whole year — the most common and most avoidable error.

A buy-in made within three years of a capital withdrawal forfeits the buy-in’s tax advantage. If a withdrawal is planned for a property purchase or early retirement, the order of operations matters as much as the amount.

What drives the price

  • Canton and municipality of residence.
  • Status: employee with a pension fund, or self-employed.
  • Family situation and number of dependent children.
  • Payments made during the year, and the date they are credited.

We show no tariffs on this page. Unlike LAMal premiums, no public register publishes prices for this branch: they depend on your profile and are calculated case by case. Quoting a figure here would be an invention.

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