Hello Switzerland issue 3/2017 by Hello Switzerland AG

issue 3 / 2017 helloswitzerland.com

AUTUMN IN SWITZERLAND

TOP 5 THINGS TO SEE AND DO LANGUAGE ACQUISITION FOR KIDS THE 2017 SMARTPHONE TEST DEALS & OFFERS SEE PAGE 16

r one mbe and u n The ledge rce know tion sou d’s n ira insp witzerla al for S rnation inte munity com

Distribution 20,300 copies throughout Switzerland

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Lukas Hayoz +41 58 356 16 27 partners@helloswitzerland.ch

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Meet the team

THIS IS HELLO SWITZERLAND

DISCOVER SWITZERLAND

MOVE YOUR HOUSEHOLD

Go to www.helloswitzerland.ch for leisure and culture, what’s on and practical guides.

Stay on budget with Hello Switzerland’s price transparency.

Samantha Suarez-Maier

Mike Tomsett

Tonje Schou Teigland

Lukas Hayoz

Lina Bickel

Julie Eassom

Dear reader,

FIND A HOME

GET HELP FOR ALL YOUR NEEDS

We can help you find a place to call home, review your lease and ensure stressfree relocation.

From opening a bank account, to importing a car, we can help you in English (and other languages too).

Apples, pumpkins and beautiful autumn colours! Make the most of your fall here in Switzerland. We are pleased to partner up with Simple Family Travel to bring you great ideas to head outdoors and enjoy the crisp air. Samantha Suarez-Maier Editor

PLAN YOUR RELOCATION

GOODBYE SWITZERLAND

Get connected with local experts and schedule a free consultation.

Is your Swiss adventure coming to an end? Save time, stress and money and let us help you plan your next relocation abroad.

Featured Partners

Swiss Relocation Helpline Free advice from locals +41 58 356 17 77 (regular rates) online chat: helloswitzerland.ch

YOUR PERFECT WEEKEND IN THE CANTON OF VAUD Suggestions for an ideal getaway Provided by: Canton of Vaud Tourism Office

Grand Hôtel and Thermal Centre Yverdon-Les-Bains

Espace Horloger Le Sentier, Vallée de Joux

Foxtrail Lausanne

Start your journey with a relaxing break in the hot waters at the Grand Hôtel and Thermal Center, Yverdon-les-Bains! With jacuzzis, hammams, bubble baths, massage jets and activated water currents, you’ll be more than ready for your weekend...

Dive into the world of watchmaking at the Espace Horloger, with its complication watches, historical objects and virtual installations. A temporary exhibition “On the wings of time – Insect o’clock” will run from 3 November 2017 to 26 August 2018.

Up for some exploration? Follow the cunning fox through the city with your family or friends, solve riddles and secret codes with your team and discover lots of fascinating places in the Olympic capital!

www.bainsyverdon.ch

www.espacehorloger.ch

Montreux Noël Montreux Riviera

Outdoor Swiss raclette Les Pléiades (Vevey)

Glacier 3000 Les Diablerets

From 23 November, feel the magic of the Montreux Christmas Market with stalls on the lake shores, the Lumberjack Village, the Medieval Market, the Winterland Village and even Santa’s Grotto!

Discover the amazing view from “Les Pléiades” while enjoying a typical raclette outdoors: take the train from Vevey, collect your “candle raclette” kit, go hiking and just eat when you find a nice spot...

A high level experience! Enjoy a stunning view and wide range of activities at 3000m. Try the Peak Walk by Tissot, a suspension bridge linking two mountain peaks, or the Alpine Coaster – Glacier 3000 is a must!

www.montreuxnoel.ch

www.mob.ch

www.glacier3000.ch

DISCOVER SWITZERL AND

www.foxtrail.ch

Photos: © Grand Hôtel et Centre Thermal, Yverdon-les-Bains; © OTV; © Foxtrail; © Montreux Noël; ©MOB; © Glacier 3000

We’ve put a series of activities together for you, both for all tastes and all weather conditions. Whether you prefer cultural discoveries, wandering medieval cities, hiking mountain summits, taking a swim in thermal water, or even holiday shopping! All of these activities are a part of the Grand Tour of Switzerland, the itinerary that will take you from one breath-taking panoramic view to the next.

Avenches Sainte-Croix/Les Rasses 1 Grand Hôtel and Thermal Center Yverdon-les-Bains 2 Espace Horloger Vallée de Joux

Gruyères Morges

Lausanne

5 Outdoor Raclette (MOB) Château-d’Oex

3 Foxtrail St-Cergue

Lac Lém an

Vevey 4 Montreux Noël Montreux Leysin 6 Glacier 3000 Les Diablerets

Nyon

Villars-Gryon 7 Bex salt mines Genève

Getting there and away Lausanne is the perfect gateway to the Lake Geneva Region. From Zurich and Basel, Lausanne is just 2 hours away by direct train. Once in the city, you will travel less than 50 minutes to most of the destinations on this list.

www.lake-geneva-region.ch

Photos: © Saline de Bex

Salt Mines Bex Conclude your weekend with an underground adventure in the salt mines of Bex, the last active mine in Switzerland! Here, you can board the miners’ train, and go deep into the mountain to search for this white gold.

Download the Vaud:Guide On your way to the Canton of Vaud, download our free app Vaud:Guide, which gives you real time recommendations based on your location, your personal interests, opening hours, and much more! You can download the app here:

appmobile.lake-geneva-region.ch

www.mines.ch DISCOVER SWITZERL AND

FEATURED PARTNER: TAX CONSULTING

UNPUNISHED VOLUNTARY DISCLOSURE Last chance As the Automatic Exchange of Information entered into force beginning 2017 in Switzerland, the time frame to disclose undeclared assets and income without being punished closes soon.

Individuals who are Swiss tax residents and need to file a tax declaration are under the obligation to report all worldwide income and assets. Sometimes, foreign assets remain undeclared for a reason, though often by mistake simply because taxpayers are unaware of the Swiss reporting obligation.

The “unpunished voluntary disclosure” When voluntarily declaring previously unreported assets for the first time in Switzerland, taxes (and interest) are charged, but there is no additional penalty. This should encourage individuals to rectify their situation, as they come back into compliance without being fined. It is important that the authorities have no knowledge of the undeclared assets. This is because as soon as the authorities start asking questions, it is no longer possible to benefit from the penalty waiver.

The impact of the automatic exchange of information With the Automatic Exchange of Information (AEOI) coming into force, Swiss authorities will receive information

from foreign financial institutions. The information that will be shared includes account and tax identification numbers, as well as the names, addresses and dates of birth of taxpayers abroad with an account in a country other than the country of origin, and all types of income and account balances. The AEOI is in force in all EU countries, plus an additional 50 countries and some “tax havens” like the Cayman Islands or Bermuda. When the Swiss authorities receive the first information from participating countries in the second half of 2018, they will likely crosscheck the declared positions. If accounts are reported that were never declared, this qualifies as tax evasion. In such a situation, arrear taxes (up to 10 years back), interest, and a penalty between one third and three times the evaded taxes, can all be levied. For Switzerland, the AEOI entered into force on 1 January 2017. As a consequence, it was debated if a “spontaneous” voluntary disclosure is still possible after January 2017. Data is being gathered at this moment and it is only a question of time until the Swiss tax authorities will receive the information. Although one could take the standpoint that the data is already collected (and only the reporting is outstanding) and hence a “spontaneous” declaration is no longer possible, most cantons apply a “generous” interpretation of the relevant

law. Several cantons, like Zurich, state that the AEOI will only give them access to this information the precise moment the exchange happens, i.e. in the year 2018. Therefore, they still accept unpunished voluntary disclosures in the year 2017.

Conclusion If taxpayers still have undeclared assets abroad, it is high time to report these and benefit from the unpunished voluntary disclosure rules. This disclosure should be done in the year 2017, as it is very likely that this will not be possible in the future.

ABOUT GORDANA MUGGLER Gordana Muggler is Head Global Mobility and HR Services at BDO Switzerland. BDO’s experienced specialists are here to advise and support you and your family members on all aspects of international assignments, be it concerning the arrival to Switzerland or the deployment abroad, from the beginning of the preparations through to the return home.

gms@bdo.ch

www.bdo.ch

Get connected with tax experts Quality support with personal compliance in Switzerland Swiss Relocation Helpline +41 58 356 17 77 (regular rates) online chat: helloswitzerland.ch 6

FINANCIAL ADVICE

VISIONAPARTMENTS CONTINUES EXPANSION COURSE New projects in Zug and at Zurich Airport Provided by: Jens Dünnebacke of VISIONAPARTMENTS

Founded in Switzerland in 1999, VISIONAPARTMENTS specialises in developing and renting premium furnished apartments with service and style. The company quickly grew from a start-up to Switzerland‘s market leader and now offers over 1,000 modern, temporary apartments in Berlin, Lausanne, Warsaw, Vienna and Zurich, with further locations soon to follow in Basel, Frankfurt, Geneva, Vevey and Zug.

VISIONAPARTMENTS will be available for rent by medium to long-term guests.

VISIONAPARTMENTS in Zug by the end of the year

No less than four openings in autumn 2017

The serviced apartment specialist is taking over a hotel in Zug’s city centre. The City of Zug has already granted the permit for the planned renovation. By the end of 2017, the 54 fully-equipped

LIVING WELL IN SWITZERL AND

VISIONAPARTMENTS recently purchased a plot close to Zurich-Airport On completion in 2019, it will be a modern serviced apartment building with over 300 residential units in an ideal location near Zurich Airport. As the planning and development phase will take some time, the empty factory building on the site is available for intermediate use: “We are open for creative suggestions, like pop-ups or similar projects, for the factory space of roughly 800 square meters”, explains Bastiaan Don, Group Head of Development & IT at VISIONAPARTMENTS.

Besides Zug, three more openings are planned for this year: In September, the first tenants will be welcomed in Frankfurt (130 units) and one month later in Vevey (100 units). In November,

the doors in Lausanne St. Sulpice (60 units) will open, further expanding VISIONAPARTMENTS’ presence in Lausanne. The projects in Vienna (90 units, opening in 2018) and Basel (123 units, opening in 2019) are also on schedule.

ABOUT JENS DÜNNEBACKE Jens works as a Local Sales Agent with VISIONAPARTMENTS in Zurich. He will be happy to assist you and help you find an apartment that suits your needs.

Steinmühleplatz 1, CH-8001 Zurich +41 44 248 34 69 jduennebacke@visionapartments.com

visionapartments.ch

DEVELOPING MEDIA LITERACY IN SCHOOLS The use of technology in the classroom Provided by: Ambros Hollenstein, CEO SIS Swiss International Schools Group

ABOUT AMBROS HOLLENSTEIN Ambros Hollenstein is the CEO of SIS Swiss International Schools Group. SIS operates 16 bilingual, private day schools in Switzerland, Germany and Brazil with more than 3,500 students attending classes from kindergarten through to college.

Media competency is a skill that needs practice – inside and outside the classroom. New developments,new responsibilities Integrating the responsible and goaloriented use of media in the classroom is one of the challenges teachers are faced with today. Our children are growing up surrounded by digital technologies and it is also the responsibility of schools to instruct students in the selection of appropriate content as well as the proficient handling of different types of media. At SIS Swiss International School, the meaningful use of media is encouraged in various ways.

Guided awareness

Photo: © SIS Swiss International School

In SIS classrooms, ICT has long become a powerful tool in both the preparation

and presentation of subject matter. More importantly, however, the focus is increasingly laid on students supporting their learning process through their own use of new technologies. Carefully guided by their teachers, students develop critical thinking and problemsolving skills that help them select useful content from the plethora of material available online and pursue their own media-supported projects.

Creative integration In order to create meaningful learning experiences, at SIS, media is not just used for media’s sake. On the contrary, students use tablets and computers both interactively and creatively and

info@bilingual.education

www.swissinternationalschool.ch are encouraged to decipher, reflect on and understand the different effects of media and data presentation. New media present an abundance of new learning opportunities, and it is up to schools to teach students how to seize them in a responsible, critical, yet creatively joyful manner.

Discover more articles by SIS Swiss International School at: www.helloswitzerland.ch/education

Let us search for your perfect international school Swiss Relocation Helpline +41 58 356 17 77 (regular rates) online chat: helloswitzerland.ch LIVING WELL IN SWITZERL AND

DIGITALISING SWITZERLAND’S ECONOMIC FRAMEWORK By: Samantha Suarez-Maier, Editor at Hello Switzerland

How do you create an oasis for startups and SMEs in an ecosystem that isn’t highly conducive to creating businesses? The answer is clear – you change the framework. As a Private Public Partnership, digitalswitzerland works to create a political, social and economic framework that brings Switzerland into the 22nd century, in 2017. Initiated by Marc Walder, digitalswitzerland aims to make, create and innovate through five key objectives: reworking the Swiss political framework, developing talent and education, enabling a startup culture in Switzerland to thrive, fostering digital thought leadership and engaging the public. By working with key politicians in Berne, notably Federal Councilor Johann Schneider-Ammann (FDP/ PLR/PLD), digitalswitzerland wants to provide solutions to issues relating to the digitalization of industries, like the sharing economy, immigration and enabling students to engage with Science, Technology, Engineering and Mathematics (e.g. STEM) in the educational curriculum. Nicolas Bürer is optimistic about the future.

“

When you look at where Switzerland was 10 years ago, we have achieved so much. These topics are on the agenda now, and the politicians in Berne realise that we have to come with solutions to these real problems.

”

How can Switzerland attract top talent when the current immigration system is so restrictive? Immigration, Bürer notes, is one of the biggest obstacles facing Switzerland in the future. Attracting talent within Europe is a short-term goal of digitalswitzerland, while creating a framework that can attract talent and capital from the Americas and Asia-Pacific in their long-term vision.

What would be your top advice to those who want to create a startup in Switzerland? Look at the environment first, and try to connect with those that are in a similar position to yours. Switzerland is becoming well known for Basel in biotech, Geneva in cyber security, Zurich for fintech, Zug for blockchain and many others besides. Take advantage of the resources that are on offer here by relying on specialists, when you can, while you concentrate on core business.

Digital Switzerland’s summer camps for children Did you know that digitalswitzerland offers summer camps for children with next generation? You can find more information here (DE): digitalswitzerland.com/nextgeneration/

digitalswitzerland has also developed Europe’s largest startup programme, Kickstart Accelerator. Celebrate digital on 21 November, 2017 at digitalswitzerland’s first National Digital Day! More info here: en.digital-tag.ch/

ABOUT NICOLAS BÜRER Nicolas Bürer is the managing director of digitalswitzerland. From 2011 to 2013 he worked as Chief Revenue and Marketing Officer at Deindeal.ch. In January 2014, he was appointed Managing Director of Joiz Switzerland. Since the beginning of 2016, Nicolas Bürer has also been the Vice-Chairman of the Swiss Startup Association.

digitalswitzerland.com

Love what you see? Visit our website to find more articles, relocation guides and advice today!

helloswitzerland.ch BUSINESS MINDS

EVENTS September - December 2017 1 - 16 SEP Bätie Festival Geneva

RECOMMENDED

Geneva transforms into an artistic oasis with live music, performance art, contemporary exhibitions, theatre and movies! A must for art lovers!

20 SEP

The Rolling Stones Zurich See the great rockers live! As always, the Rolling Stones will treat you to a set list packed full of classics such as ‘Gimme Shelter’, ‘Paint It Black’, ‘Jumpin Jack Flash’, ‘Tumbling Dice’ and ‘Brown Sugar’, but they will also include a couple of unexpected tracks each night, from their formidable arsenal of songs.#StonesNoFilter

7 - 10 SEP Omega European Golf Masters Crans-Montana, Valais

Takes place in Crans-Montana! This is a scenic golf tournament.

9 - 11 SEP Knabenschiessen Zürich

For tickets, visit:

Traditional target shooting contest for 13-17 year old children, hosted since 1869. Afterwards, enjoy a great party downtown!

bit.ly/HelloRollingStones Call 0900 800 800 (1.19/min.)

23 SEP Désalpe de Charmey Charmey, Fribourg

La désalpe is the ideal opportunity to discover an ancient tradition in Switzerland. Every year, the farmers bring down their cows from the alpine pasture. This cow parade features the prettiest cows you’ll ever see.

29 SEP – 1 OCT Autumn Food Festival Lugano

This festival celebrates some of the finest local produce. With a riot of tastes and colours, its a fun way to celebrate Autumn!

5 - 8 OCT Cirque du Soleil – Ovo Zurich

Explore a new ecosystem with this high energy spectacle, which revolves around the mystery of Ovo. Circus at its most elegant. 12

15 NOV – 31 DEC Wicked

21 NOV - 3 DEC Dirty Dancing

Theatre 11, Zurich

Basel

Accompany the Wicked Witch of the West along her extraordinary adventures, and prepare to be entertained with Wicked in this true modern classic!

With all the beloved songs like, “She’s Like the Wind” and “The Time of my Life”, join in the fun and see dancing – salsa, merengue, mambo and go back to the summer of 1963!

For tickets, visit:

www.musical.ch/de/wicked Call 0900 800 800 (1.19/min.)

www.musical.ch/en/dirtydancing Call 0900 800 800 (1.19/min.)

EVENTS October - onwards 13 OCT – 25 NOV Rendez-vous Bundesplatz

9 NOV Gorillaz

Berne

Geneva

Head to the Swiss capital to enjoy this stunning light show projected on the façade of the National Parliament.

Flat-out one of the greatest gigs we’ve seen in a whole heap of years.

5 NOV Expat Expo Geneva All English-speakers in Switzerland are invited to this expo! Join and enhance your time in Switzerland, whether you are here for a week or a lifetime.

www.helloswitzerland.ch/-/expatexpo-geneva

10 - 21 JAN 2018 Blue Man Group Art, music, comedy — a multi-coloured, technical visual spectacle! Difficult to describe with just simple words, you have to experience visual magnificence of the Blue Man Group.

www.musical.ch/de/bluemangroup or Call 0900 800 800 (CHF 1.19/min)

10 - 22 APRIL 2018 Rocky Horror Picture Show A cult classic. Join Brad and Janet as they meet some colourful characters. Let’s do the Time Warp again! Show and songs are in English. For tickets, visit: www.musical.ch/en/rockyhorrorshow Call 0900 800 800 (1.19/min.)

FEATURED PARTNER: INTERCULTURAL LEARNING

HOW TO SURVIVE (AND THRIVE) LIVING ABROAD Familiarize yourself with new modes of behavior Provided by: Rebecca Morton, Key Account Manager at Berlitz Language Schools, Switzerland

The growing tendency of deploying employees abroad, as well as the global interconnectedness among firms, forces thousands of workers to travel abroad for brief or extended periods of time every single year. With any trip abroad, there are new customs, traditions, modes of behaviour and communication standards, all of which must be observed. If you interact with international business partners or head up an international team, it is important that you familiarize yourself with the various modes of behaviour.

Technical and linguistic proficiency alone do not suffice No matter where a professional assignment abroad takes you, being well prepared is essential to better understand the country, culture and its people. Between greeting someone and saying goodbye, there are a myriad of social pitfalls to contend with, as values and conduct standards can vary widely from country to country. Be it with time, quality, hierarchies, respect, communication or etiquette, your own expectations can differ greatly from the reality of country-specific conduct norms.

The right greeting unlocks many doors A cordial greeting is always essential. While your own greeting customs are familiar, you will encounter unfamiliar greeting rituals in many countries. Typically, it is normal to approach the host openly and amiably, no matter how complex a country-specific

greeting seems. Dealing with unfamiliar situations in a calm and relaxed manner aids you in establishing a solid contact. In contrast, intrusive and overbearing behaviour can cause misunderstandings. Openness, attentiveness and curiosity are helpful traits to unlock the proverbial door in any situation.

A guest among strangers No matter what your position abroad, you are always a guest. When speaking with foreign partners, it is always appropriate to conduct yourself in a collegial, direct, yet friendly manner. This helps you discuss your position, the tasks and goals required to ensure the success of any project. It is of little help and indeed often counter-productive to comment on or judge the politics, religion and society of the country you are in.

Characteristics from East to West Russia - If you have been to Russia, for example, you have surely encountered the warm and enthusiastic joie de vivre. Mirroring the intensity of a typical Russian greeting and its firm handshake is the intensity found on the job itself. Russians can be a loud bunch at work, so it is no surprise that they often speak openly and directly about the job itself. In Russia, on-the- job performance is what counts.

USA - Americans like to speak about success. If they can, they’ll flaunt it, too. In the job world, specialists are highly sought after. A friendly exchange with a difference of opinion is commonplace.

Asia - In Asia, rules and customs differ

to China. It is especially important to not only familiarize yourself with the customs of your host country, but to accept them as well. Not talking about your feelings at work is as essential as it is to be diligent on the job.

France - Customs in Europe are also not the same everywhere. The French, for example, place a great deal of importance on friendly and open interaction, but are very casual when it comes to work and free time. Punctuality is not as important as it is in Austria or Switzerland. For the French, external appearances are more important — from fashion and fine food to classy social interaction. Greetings and goodbyes are typically warmer and a peck on the check is standard for close colleagues — which also applies to most Mediterranean countries in Europe, and many regions in southeast Europe.

ABOUT REBECCA MORTON Rebecca Morton is the Key Account Manager at Berlitz Language Schools, Switzerland. Berlitz consults expats and their families individually to find the right language learning solution, whether in one of the many Berlitz schools, in the work place or virtually via one of their eLearning programmes, enabling the whole family to work and thrive in Switzerland.

from country to country. While feasting abounds, modesty and cordiality are typical throughout Asia, from India

To read a longer version of this article, and to view other articles, visit:

www.helloswitzerland.ch/-/how-to-survive-and-thrive-living-abroad

rebecca.morton@berlitz.ch

www.berlitz.ch/helloswitzerland DAILY LIFE

EXCLUSIVE RELOCATION HELPLINE DEALS

A worry free start for just CHF 90

Free relocation planning call from Hello Switzerland

1 year breakdown recovery for free from Hello Switzerland

Helvetia welcomes all newcomers with its Welcome Package, which includes all insurance products that a new arrival needs to get off to a perfect start in Switzerland. 90 days for CHF 90 and it includes all mandatory insurances required. Be well insured from day one!

Hello Switzerland offers support and guidance at every step. Our Swiss Relocation Helpline is a complimentary service, and our Helpline advisers provide expert advice for all your questions.

All Hello Switzerland readers can now take advantage of the chance to get 1 year of road side assistance membership for free! This includes 24 hour breakdown coverage, whenever or wherever you need it. TCS offers breakdown coverage on the spot. With our experienced teams providing support across Switzerland, you can be sure that help is less than 35 minutes away.

Available by contacting the Relocation Helpline

Institute of Finance and Management

Ultra-fast internet, TV 2.0, and great mobile coverage

Volvo Cars — amazing discounts for expats

IFM University is a renowned business school located in Geneva, Switzerland. IFM offers Bachelor’s and Master’s (MBA) degrees in Business Administration, Management, Finance, International Business, Consulting, Trading and Marketing. Our teaching methods combine academic excellence, practical skills and real-world relevance. IFM has a triple accreditation and enjoys a solid reputation among recruiters.

Get connected with Swisscom quickly and easily simply by contacting the Swiss Relocation Helpline. You’ll enjoy quality service from our specialist advisers, from product advice to how to switch from your existing provider. Plus, you’ll always find the latest Swisscom special offer on the Hello Switzerland website.

Looking for a new car? Look no further! Discover discounts of up to CHF 45,000 off a new Volvo thanks to Volvo’s unique Expatriate Sales Program. This deal is only available via Volvo Expat Switzerland.

www.universityifm.com

Available by contacting the Relocation Helpline

DEALS & OFFERS

We advise on moving home, the Swiss rental market, essential daily services and more. We’ll help you get the best value for money, and to plan everything properly.

EXCLUSIVE RELOCATION HELPLINE DEALS

Banking services free for two years*

Free tax & social security briefing

Discover Bern - 50% off UNESCO Old Town Stroll

Bonviva Banking Packages from Credit Suisse give you an immediate advantage. You receive all major banking services from a single source — at an attractive fixed price. As a Hello Switzerland customer you will get the Bonviva Silver Package for free for two years, worth CHF 360.

Your free one-hour briefing meeting with a BDO expert includes a general overview of the tax and social security system in Switzerland, and focuses on the tax & social security implications of your relocation. After the briefing, you will receive a brochure explaining the Swiss tax and social security system.

The best way to discover the unique beauty of Bern’s Old Town is on the UNESCO Old Town Stroll. Join us on this walk and hear facts, anecdotes, the humorous, and the serious about the past and present.

Available by contacting the Relocation Helpline

Simply present this voucher at Bern train station’s Tourist Information. Valid 1 April – 31 October 2017, tour starts at 11 a.m.

www.bern.com/en/

*For detailed information regarding this offer, please see the legal disclaimer p.22

Free advice The right partners The best deals Speak with Confidence

Berlitz language training 10% off

Get a free lesson with a personal trainer

Boost your language skills! Hello Switzerland clients get 10% off Berlitz language courses — Private Face-to-Face or Virtual, Semi-Private Group, or Intensive Group.

Go for it and try out INDIGO Fitness clubs in Zug, Lucerne, Basel or Zurich.

Contact the Hello Switzerland Relocation Helpline for the promotion code.

Available by contacting the Relocation Helpline

A professional fitness personal trainer will help you tailor a personalised training program in a free non-binding trial lesson worth CHF 130! Sign up your free lesson by going online. Get fit with INDIGO Fitness!

bit.ly/HelloINDIGOtrainer

YOUR ADVANTAGE

Swiss Relocation Helpline

Free advice from locals

Call: +41 58 356 17 77 (regular rates) Skype: helloswitzerland.helpline (free) Mail: helpline@helloswitzerland.ch Web: helloswitzerland.ch/helpline Chat with us online! 17

ABOUT KRISTIN REINHARD Blogger at Simple Family Travel Kristin Reinhard has called Switzerland home for 16 years, and is the author of the blog Simple Family Travel which documents her path towards less stuff and more life with her family.

hello@simplefamilytravel.net Facebook: facebook.com/ simplefamilytravel Instagram: @simplefamilytravel.net

AUTUMN IN SWITZERLAND Top 5 things to see and do Whether you call it autumn or fall, the months leading up to winter are a magical time to explore. 1. FOG

3. PUMPKINS

You might be surrounded by fog, but you can easily find out where the sun is waiting for you at www.en.swisswebcams.ch. This portal leads you to a multitude of webcams that will show you exactly where the fog stops and the blue, sunny skies begin.

Pumpkin farms are popping up everywhere and serve as a great backdrop for the autumn season. Some farms have gone beyond just selling pumpkins and offer a whole day experience.

Head above the clouds on Lucerne’s Mount Rigi and look down on the “nebelmeer” (ocean of fog) and 360 degree views.

2. HIKING For a more in-depth look into this season’s top 5, visit us at:

www.simplefamilytravel.net

It’s now the perfect time of year to strap on your hiking boots. Get outside, enjoy the crisp autumn air, and keep up your fitness for the winter sport season ahead. My personal favourite is the hike around the Engelstock in Hochstuckli, Schwyz. Moms:Tots:Zurich is also a fantastic resource.

Visit Jucker Farm by Uster, Zurich for pumpkin displays, restaurants and playgrounds.

4. CASTLES Although not famous for royalty, Switzerland has its fair share of castles to explore during the cooler months that are set in stunning locations. Visit Schloss Lenzburg not just for the history, but its striking setting amongst the autumn leaves.

5. CHESTNUTS Collect these smooth nuts hidden in spiky casings and bring them home to roast on an open fire. The forests of Ticino are full of chestnuts just waiting to be picked.

Hello Switzerland has a huge selection of articles about Swiss lifestyle, culture, family and daytrip recommendations for all seasons at:

Photo: © Simple Family Travel

www.helloswitzerland.ch/lifestyle

18 LIVING WELL IN SWITZERL AND

HEALTH INSURANCE IN EASY STEPS Which health insurance do you need? Provided by: Monika Courts, Branch Office Manager of EGK-Gesundheitskasse

Moving to a new country is always a big step to take – one that involves lots of uncertainties. Where is the right place to live? How to get from there to work? And what insurance is necessary?

ABOUT MONIKA COURTS A branch office manager for EGKGesundheitskasse, Monika Courts looks back on many years of experience in the Swiss health insurance system. On account of her excellent knowledge of English, she is the right contact person for those arriving newly from abroad who want to rely on optimal advice for their health insurance solution.

+41 32 628 68 82 monika.courts@egk.ch

www.egk.ch As far as insurance goes, when moving to Switzerland one thing above all has to be taken heed of: health insurance is mandatory for everyone who lives in the country. But which products are the right ones? And how does one take them out?

Mandatory basic health insurance The mandatory basic health insurance provided by all health insurers covers exactly the same benefits. Some insurance companies also offer attractive models on a pick-and-mix basis, such as telemedicine or the choice of a family physician. Such

a choice is usually rewarded with a lower premium. Basic health insurance can be changed every year with one month’s notice. And your new insurer is obliged to provide its basic health insurance to you. The premium is determined solely based on the insurer selected, your place of residence and the amount of the deductible selected.

Supplementary health insurance In Switzerland, basic health insurance already covers the vast majority of treatments. Nonetheless, supplementary insurance may make sense if you

have any additional wishes or needs that are not covered by basic health insurance. There are numerous options that are combinable in different ways from insurance provider to insurance provider. The Swiss health care insurance system is very extensive, which is why we strongly recommend that you get personally advised. EGKGesundheitskasse will be happy to help you find the right insurance for you and your family. In doing so, our representatives are always there for you – and you benefit from the best possible service. LIVING WELL IN SWITZERL AND

LANGUAGE ACQUISITION AT THE INTER-COMMUNITY SCHOOL ZURICH Do you want your child to learn German? Provided by: ICS Admissions & Communications, Inter-Community School Zurich

Embracing student inquiry “Learning is not about what we as teachers want children to do, it’s much more about listening to their opinions, their theories and understandings. We want to make sure that they have opportunity to explore academic outcomes through teaching in a way that empowers the students to take ownership of their learning.” – Victoria Newman, ICS Early Years Coordinator Student inquiry develops a broad range of the skills needed to be a lifelong learner in the 21st century.

At the Inter-Community School (ICS) Zurich, your child can start learning German and English at a young age in Switzerland. With the Primary Years Programme in our Early Years Centre, 3-6 year olds are encouraged to learn German and English in a unique learning experience. Language acquisition in the Early Years Centre This programme is unique to ICS. By providing children with the opportunity to learn language in a social context as part of their classroom inquiries they are able to learn vocabulary that can be applied to their current areas of learning. By offering the students learning opportunities both inside and outside of the classroom, students are able to see the value of the language and feel empowered to speak the language. From field trips to a local farm, to speaking with native German speaking teaching assistants, to simply asking for a glass of water in German, 20

LIVING WELL IN SWITZERL AND

students develop the skills to become resilient and inspired learners.

Primary Years Programme (PYP) at the Inter-Community School (ICS) Zurich With the Primary Years Programme (PYP), students focus on 21st century skills. This programme is accredited by the International Baccalaureate® organisation. Students and teachers both look at the application of understanding through an inquiry based model. As an established programme that has been around for many years, the PYP is a well-grounded model and curriculum framework that provides children with the opportunity to think creatively and connect their inquisitive nature and critical thinking skills within a comprehensive academic framework from an early age. At ICS, teachers offer children opportunities to use their imagination, to engage with different materials and undertake first-hand research, while developing skills and exploring their understanding about the world around them.

What is student inquiry? Student inquiry is when students take charge of what they learn, when they learn, where they learn, and understand why they learn. ICS tailors approaches to learning that are unique to every child. In the Early Years Centre, children explore and share their learning through the arts (dance, drama, music and visual arts) supported by a dedicated teacher of the arts who joins them in the classroom as part of their inquiry. From dancing to art, students are encouraged to embrace all manner of creative communication. In this way, they are able to find ways to communicate which are unique to them. Is your child excited to go to school? At ICS, parents say how excited their children are to go to school every single morning. Children talk about their learning when they go home. Students feel empowered, and they start to use the terminology of their learning in a home context. In that sense, a unique level of support and resources are provided to the parents to continue this learning at home; from weekly reports to daily diary entries from the teacher about the student.

Support for globally mobile students As a leading international school in Zurich, ICS has a number of families that are only in Switzerland for a short time. When children move on from ICS to a new school, the staff get positive feedback from parents about how well adjusted the students are in their new school environment, how their teachers remark that the former ICS students are creative and motivated learners and, perhaps most importantly, how the academic level at ICS meets or exceeds the expectations of their new school.

Advantages of the International Baccalaureate® organisation One key advantage of the International Baccalaureate® (IB) programme is that it is so easily transferable. Children that are highly mobile can go from one IB school to another IB school, anywhere in the world, and they benefit from a constant thread of understanding. Although the education experience itself might be slightly different, because naturally we all work

with a cultural context, the children are often able to seamlessly transition into their new life. Because they are familiar with the academic curriculum, they can just focus on making new friends, settling in and enjoying their new home.

Putting a focus on community: ICS is not just a school, but also a support network “I love that my child feels so loved and cared for. That is something that is very special.” – Parent of a child enrolled at ICS ICS wants to work with both you and your child, and aims to provide a happy experience for your family. That’s because ICS views learning through a holistic approach. Because each child’s wellbeing is being cared for, not just academically, but also mentally, focus is placed on developing resilience and a child’s sense of responsibility as a global citizen. “Community” is not just in ICS’s name. ICS is truly a community school.

A YEAR OF GROWTH AHEAD Unleashing your potential Provided by: Jeanette Cerquone, Owner/Managing Director of Spouse Career Centre

The excitement of a school year starting after summer. Do you remember that unique promise of growth? Knowing there is a great year of personal growth ahead is not just for schoolchildren. Make this upcoming year your year to grow. As the summer break is over, list your dreams and see which give you that feeling of excitement. Pursue your existing career?

Gain additional qualifications? Set up your own business? Find meaningful opportunities to volunteer? At Spouse Career Centre, we are committed to helping you thrive. We will coach you to find new opportunities. Or come to us with your specific goals for advancing professionally and we support you finding ways to achieve them. We will search for openings in the job market, possibilities as an entrepreneur or volunteer, and we will train you to seize them.

ABOUT INTER-COMMUNITY SCHOOL ZURICH The Inter-Community School Zurich (ICS) is the longest established international school in the Zurich area. A private co-educational day school, established in 1960, we provide a world-class international education for students aged 3 to 18. We welcome applications from prospective students throughout the year. Please contact us at admissions@icsz.ch if you have questions or would like to visit our campus.

admissions@icsz.ch Facebook: bit.ly/HelloICSZ Twitter: bit.ly/HelloTweetICSZ

www.icsz.ch

ABOUT JEANETTE CERQUONE Jeanette was the first to realise the need for spouse career support in Switzerland. By integrating her human resources experience in FMCG (Coca Cola), Executive Search (Heidrick & Struggles) and Financial Services (Credit Suisse), she brings broad expertise to SCC. Jeanette is a certified coach, a dedicated networker and a passionate entrepreneur.

+41 44 500 25 96 welcome@spousecareercentre.com

www.spousecareercentre.com

LIVING WELL IN SWITZERL AND

FEATURED PARTNER: BANKING SERVICES

CREDIT SUISSE TWINT Switzerland’s mobile payment solution The world of mobile payment has many benefits. Discover them with Credit Suisse TWINT. Thanks to Credit Suisse TWINT, your wallet will never get too thick and you will never have to waste time counting change at the checkout again. With Credit Suisse TWINT, you can make convenient payments with your smartphone – at cash registers, in online shops, and at vending machines. And that’s not all. It’s very easy to send money to friends and family or receive money from them. What’s more, with Credit Suisse TWINT, you can store your customer loyalty cards (e.g. Coop Supercard) digitally. Thanks to integrated coupons and stamp cards, you can also take advantage of offers from a wide variety of partners.

Another benefit? As a client of Credit Suisse, you can directly link your account to Credit Suisse TWINT, giving you complete transparency thanks to immediate debiting of payments. You also have the option of saving your Credit Suisse MasterCard or Credit Suisse Visa credit card as a means of payment. Not only is it convenient and easy to pay using Credit Suisse TWINT – it’s also secure. There are multiple features that ensure maximum security. For instance, Credit Suisse TWINT can only be opened using your TWINT PIN or Touch ID. If your smartphone is lost or stolen, you can also have your Credit Suisse TWINT account frozen by calling the toll-free 24h HELP-Line at 0800 800 488* at any time.

Read more about Credit Suisse TWINT and the requirements for use at: credit-suisse.com/twint

* Please note that calls to these numbers may be recorded. We assume that, by calling us, you accept this business practice.

Legal Notice: The information provided in this publication is only intended for distribution and use by persons who are residents of Switzerland. In particular, it is not directed at, or intended for distribution to or use by or for the offer or solicitation of any products or services directed to, any person or entity who is a citizen or resident of or located in any jurisdiction where such distribution, publication, availability, use, offer or solicitation would be contrary to applicable law or regulation or which would subject Credit Suisse to any registration or licensing requirement within such jurisdiction Credit Suisse will not treat readers of this publication as its clients by virtue of them accessing it. Readers of this publication should seek the advice of their independent financial advisor prior to taking any investment decision on the basis of any information contained herein and no information herein constitutes general or specific investment, legal, tax or accounting advice of any kind, it is solely for marketing purposes. Copyright © 2017 Credit Suisse Group AG and/or its affiliates. All rights reserved. 22

FINANCIAL ADVICE

TAX DEDUCTIBILITY OF COMMUTING COSTS New rules introduced

In January 2016 the Swiss tax authorities introduced a general limitation on the tax deductibility of the costs for travelling to work .

FINANCIAL ADVICE

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AUTUMN WALKS WITH KIDS Moms:Tots:Zurich’s favourite fall hiking routes in Switzerland By: Tanya Deans, Blogger at Moms:Tots:Zurich

Klöntalersee There’s a lot to like on this easy stroll along the Klöntal Lake near Glarus south of Zurich. It’s a short but winding drive from the valley to this gorgeous alpine lake surrounded by mountain peaks. There’s a walking path along the west side of the lake, where we enjoyed shuffling through the fallen leaves in the forest. The kids loved gathering wood to build a fire on the lake shore.

Bachalpsee This spectacular view of the Bernese Alps over the lovely Bachalp Lake is one of the most photographed locations in Switzerland. The beautiful contrast of harvest colours and light dusting of fresh snow above us was so charming.

LIVING WELL IN SWITZERL AND

Before heading on the trail, don’t miss the thrilling cliff walk at the top of the chair lift. Then it’s an easy hour on the obstacle free path to the lake, a perfect place for a picnic while the kids skip rocks.

Gorges de l’Areuse This walk through the Areuse gorge in north-western Switzerland is a good choice when higher elevations are covered in clouds or early snow storms. The path takes you through forests and meadows along a river, with several narrow sections bordered by dramatic cliff walls. It’s a bit long at 11 km but mostly downhill and easy walking; we saw many families with little kids happily skipping along this one.

Tips Hiking in fall has a few considerations. This is a time to pack extra layers, check the weather carefully, and have a Plan B. Better safe and warm, than sorry and shivering. Always check resort websites and trail conditions before heading out. Many mountain resorts and alpine towns have special fall festivals, particularly the Alpinabzug, where they bring the cows down the mountains to the valleys for winter. So check the event calendars to coordinate your hike with one of these events.

Full details for all these, and many more recommendations for hikes can be found at at: www.momstotszurich.com Happy hiking!

FREE 1 YEAR ROADSIDE ASSISTANCE A HELLO SWITZERLAND SPECIAL OFFER 8 reasons to join TCS As a Touring Club of Switzerland (TCS) member, you can depend on 24/7 breakdown assistance and roadside recovery, 365 days a year, rain or snow or shine. With over 620 roadside patrols and partner garages, you can be sure that you’re covered in the case of a roadside emergency. Your membership protects you in any vehicle you drive, both cars and motorbikes, and comes with many advantages:

1. 2. 3. 4.

Quick response & 24hr breakdown assistance TCS patrols are there for you 24/7, all year round, with an average waiting time of 35 minutes.

Technical expertise No matter the make, engine type, of your vehicle, our experts know how to get you back on the road.

Experienced patrol teams 220 patrol members handle around 280,000 assignments every year. They know what they’re doing!

Special member offers Members enjoy special discounts: •D iscount of up to 25% on cable cars and mountain railways •2 .5 cent savings per liter of fuel at BP •2 % fuel discount at Tamoil •S ave up to CHF 100 at Adam Touring and Premio when purchasing four tires

Protection for the whole family With TCS, you don’t need to worry about your family members driving your vehicle. Family members in your household can get coverage for driving a vehicle registered to the policyholder.

Services Before you leave on a road trip, or at the onset of winter, your vehicle will be checked by experts at one of 19 TCS technical centers at a favorable membership price.

7. 8.

Peace of mind Did you lock your key in the car? Have you run out of petrol? There’s no need to worry about these little problems — the TCS patrol will come to your rescue (even if you might be at fault).

Safe travels guaranteed In 8 out of 10 breakdowns your vehicle will be repaired on the spot. If your vehicle cannot be repaired straight away, we will arrange for a comfortable onward journey.

With over 1.5 million members, you can trust Switzerland’s #1 breakdown assistance.

Photo: © TCS

Free 1 year breakdown recovery service for Hello Switzerland readers Swiss Relocation Helpline +41 58 356 17 77 (regular rates) online chat: helloswitzerland.ch SAFE TRAVELS

THE 2017 SMARTPHONE TEST What’s the best phone on the market? Are you looking for a new phone in Switzerland? Picking out your next smartphone is easy with the high-quality devices that are on the market right now in Switzerland. So which should you buy? We‘ve answered all these questions, and more, in Hello Switzerland’s Smartphone Test of our favourite three smartphones.

If you find yourself traveling often, this phone is perfect for you. The size is ideal for reading everything, from emails to Kindle books. Plus, it comes in a beautiful, sleek case. You might be wondering – why the 7 Plus? The 7 Plus has a bigger and sharper screen than the 7, better battery life and twin-lens cameras at the back. If the larger size of the iPhone 7 Plus isn’t for you, you can also purchase the smaller version. Along with being water resistant, the improved back and front cameras, redesigned Home button and stereo speakers make the iPhone 7 Plus a contender to be the best phone on the market.

Huawei P10 Plus: ideal for photographers and selfie lovers

Samsung Galaxy S8: the most advanced Artificial Intelligence around

We are truly impressed by Huawei’s P10 Plus. Whether you view your phone as a traveling camera (or if you’re just really serious about your selfie game), the Huawei P10 Plus comes with an amazing camera.

We’re convinced – this phone is beautiful. It’s easy to hold in one hand (here’s looking at you, iPhone!) but the screen is the coolest part, as it runs all the way to the edge of the phone. It’s the biggest, most immersive screen on a Galaxy smartphone of this size. Plus, the iris scanning security option is pretty cool! As Samsung explains, this technology recognises the patterns in your irises. This means that “iris authentication” is one of the safest ways to keep your phone locked.

Also, the design is undeniably good. This phone has the first hyper diamondcut finishing on a smartphone, which adds strength and colour. The new Leica Dual Camera 2.0 Pro Edition uses precise 3D facial detection, dynamic illumination, and natural portrait enhancements to produce stunning artistic portrait shots in Leica image style. It’s basically a mobile portrait studio in your pocket.

What’s most exciting about this phone is Bixby – Samsung’s new Artificial Intelligence that acts as your personal assistant and can recognise and work with your voice, texts and taps.

You can order all of these phones directly from Hello Switzerland To order call +41 58 356 17 77 26

DAILY LIFE

Apple iPhone 7 Plus: perfect for the frequent traveller

Find your perfect mobile plan Learn more about Swisscom inOne To order Swisscom or find out more: +41 58 356 17 77 (regular rates) helpline@helloswitzerland.ch helloswitzerland.ch/tv-telecom-internet

Did you know that you can buy all three of these phones directly from Hello Switzerland? Are you itching for the new iPhone 8 instead? We can organise everything for you! Get in contact with Hello Switzerland’s Relocation Helpline and benefit from exclusive concierge support for all Swisscom products.

Combine what you really want

ABOUT SWISSCOM Swisscom is Switzerland’s leading telecom provider and one of its foremost IT companies, headquartered in the capital city, Bern. Swisscom focuses on service and quality, investing massively in the networks of the future.

With Swisscom’s new inOne Home, you can mix and match your services. Take as much or little internet, TV or telephony as you like! Plus, you can save up to CHF 100 a month when you combine your inOne home with up to five inOne mobile subscriptions. Find out more at www.helloswitzerland.ch/swisscom

www.swisscom.ch

DAILY LIFE

WATER, WHAT ELSE? Drink water and unsweetened tea to quench your thirst. Water is by far the healthiest thing you can get in liquid form. It is not so important whether it is the flawless Swiss tap water or natural mineral water and moderate amounts of coffee cannot hurt either. What about coffee? Drinking moderate amounts of unsweetened, black coffee will not lead to health issues if you have the tolerance for it. Coffee is a natural product with healthy qualities. Smoothies, best made only from fresh fruits or vegetables, can be an alternative. Freshly squeezed fruit juice, however, I recommend only as a treat and not as a real alternative, since the most valuable ingredients of the fruit is lost during squeezing. Most of the finished product juices, often wrongly advertised as healthy, are made from fruit concentrate and are, in principle, nothing else than sugar water with fruit flavor. Some orange juices, for example, contain even more sugar than soda! Alcoholic beverages are ultimately true calorie bombs and stop the fatburning process. For these and other health related reasons, you should only moderately enjoy alcoholic drinks.

ABOUT JONAS CATLISCH Jonas Caflisch, resident fitness expert at Hello Switzerland, is a certified sports instructor (D-HEST ETH Zurich). Jonas is the founder of the INDIGO Fitness Club, which has locations in Basel, Lucerne, Zug and Zurich.

jonas.caflisch@indigofitness.ch

bit.ly/INDIGOInsta indigofitness.ch

Also, unsweetened tea in all variations is healthy. But try to do without any sugary drinks of any kind. If, for example, you are always drinking a few sips of cola or apple juice spritzer at work, you will stop burning fat, because your body is so happy to use the easily available energy from the sugar that comes from these drinks. At the same time, your body protects what, from its point of view, are valuable fat deposits, which unfortunately only hurts your figure. We humans have been genetically programmed to protect our fat reserves since ancient times.

A professional fitness personal trainer will help you tailor a personalised training program in a free non-binding trial lesson worth CHF 130!

bit.ly/HelloINDIGOtrainer 28

LIVING WELL IN SWITZERL AND

Photos: ÂŠ INDIGO Fitness

Get a free lesson with a personal trainer

REACH THE GROWING INTERNATIONAL COMMUNITY!

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Publish your events on our website, app and newsletter event calendar and enable our readers to connect, experience and discover Switzerland! For an advertising proposal contact: Lukas.Hayoz@ helloswitzerland.ch or call +41 (0) 58 356 16 27

L AYOUT PARTNERS Thank you to our 12 layout partners for allowing us to publish the quarterly Hello Switzerland Magazine. Asian Express Shanghai – Asya International Movers Bliss Moving & Logistics S.r.l. Italy Chess Hanley's Sydney – The Family Movers Trafimar Relocation Services Mexico Franzosini Milan – Transportes Fink Rio de Janeiro Trallero International Madrid – Prodoba AG Switzerland

Affordable storage options starting at just CHF 25 per month! If you are looking for affordable storage solutions in the Bern and Fribourg area, Packimpex has the perfect offer for you. All storage containers are temperature controlled, reinforced steel that are stored in our secure warehouse in Bösingen. Get in contact today to secure your personalised quote!

Get this exclusive relocation helpline deal by calling +41 48 356 17 77

FEATURED PARTNER: INSURANCE

UNMARRIED PARTNERS OF NEWCOMERS TO SWITZERLAND Don’t forget about insurance and pensions “I have a very good income in Switzerland – my partner mainly looks after our children and is also involved with charitable organisations (social commitment, primarily in associations). We’re not married – what precautions do we have to take in case something happens to me?” Find out more here: www.helvetia.ch/helloswitzerland

ABOUT STEEVE PARTOUCHE In the case of cohabitation or patchwork families, Steeve Partouche recommends analysing your pension situation and clarifying your actual needs in detail. Although Switzerland has a good social system, the regular social security insurances don’t usually provide sufficient protection for survivors in such cases.

Essential points to consider The unmarried partner in Switzerland who has very little or no income of their own is not sufficiently protected if something were to happen to him/her or to the main earner.

I f the main earner should die 1st pillar: no benefits for the partner, but a pension is paid for their own children.

2nd pillar: the benefits must be clarified (minimum period of cohabitation 5 years, actively protect the partner, etc.).

If something happens to the partner s a homemaker, the partner A is performing an unpaid job. If incapacitated due to illness or in case of death, new arrangements for childcare would be necessary, which usually involve considerable costs.

Carry out a professional analysis of your pension situation in the event of death or invalidity You will need the relevant social insurance and pension fund documents, including the regulations for the employed person.

Steeve Partouche is an insurance and pension advisor. He works at Helvetia’s Geneva East general agency and specializes in advising newcomers.

steeve.partouche@helvetia.ch +41 58 280 84 80

Helvetia Insurance has been one of Switzerland’s leading insurance companies for over 150 years. Helvetia offers customized solutions for a wide variety of insurance needs including private pensions or occupational benefits, indemnity insurance and mortgages.

Get Swiss insurance right Expert advice - the right partners - the best deals Swiss Relocation Helpline +41 58 356 17 77 (regular rates) online chat: helloswitzerland.ch 30

INSURANCE ADVICE