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QUALITY OF LIFE

The best – and worst – cities for expats in Switzerland

Zug and Basel have ranked in the top ten in the world for expat living, but the low ranking of other prominent Swiss cities shows the country gets mixed reviews from internationals.

The best - and worst - cities for expats in Switzerland
Photo: Depositphotos

Zug and Basel have roared up the charts in the latest list of global cities for the best expat living, finishing eighth and tenth respectively from over 80 cities and towns surveyed. 

Quality of life was the major factor, along with safety, public transport and a lack of pollution. 

The other Swiss cities to feature however ranked comparatively poorly, with Lausanne (36th), Bern (38th), Zurich (41st) and Lugano (53rd) – followed by the poorly performing Geneva in 69th. 

Although all of the Swiss cities in the survey ranked in the top 20 for quality of life, those who found themselves further down the list had been ranked poorly for ability to integrate and potential for making new friends. 

In Zurich and Bern, for instance, more than 50 percent of those surveyed said they found it difficult to make new friends. 

'It's a lonely country to live in': What you think about life in Switzerland

Comparing the findings to the list from last year shows that Swiss cities are rising up the ranks.

In the 2018 edition, no cities in Switzerland made the top 20, with Basel and Zug coming in 22nd and 23rd respectively. Lausanne (44th), Geneva (56th) and Zurich (57th) were also included on the 2018 list. 

Zug and Basel rise up the ranks

Although some respondents indicated that it was also difficult to make friends in Zug and Basel, the high ranking of these cities in all other major categories pushed them towards the top of the list. 

In Zug, for instance, not one respondent indicated dissatisfaction with public transport, while work-life balance and the economy were also rated as among the best in the world. 

As noted by the authors: “Zug is not only the highest-rated city in Switzerland, but it also offers the world’s best quality of life”. 

Image: Depositphotos

“Expats even rank Zug first in the world for the state of the local economy (91% happy vs. 66% globally).”

Basel ranked highly on affordability of housing and overall quality of life. 

As noted in the report: “Basel ranks 10th out of 82 cities in the Expat City Ranking, with expats rating the quality of life very highly (6th).” 

“They are particularly happy with their personal safety (93% vs. 81% globally), the local transportation system (98% vs. 70% globally), and the quality of the environment (93% vs. 71% globally)” 

The 2019 study

The study, completed by Internations, took into account 82 different cities across the world, interviewing 20,000 people from 178 countries with 187 nationalities.

Internations, a networking organisation for expats across the globe, publishes the list annually. 

The study takes into account a variety of factors, including Quality of Urban Living, Getting Settled, Urban Work Life Balance, Finance and Housing, Cost of Living and Happiness. 

Image: Internations

According to a statement from the authors, each factor has even weighting in the final outcome. 

“Participants were asked to rate more than 25 different aspects of urban life abroad on a scale of one to seven. The rating process emphasised the respondents’ personal satisfaction with these aspects and considered both emotional topics as well as more factual aspects with equal weight.”

The minimum requirement for a city to be included in the list was 50 participants in order to ensure a wide range of respondents had the chance to have their say. 

The good

Other than the two Swiss cities to feature in the top ten, the best cities as ranked by expats come primarily from Europe and Asia. 

Four Asian cities – Taipei, Kuala Lumpur, Ho Chi Minh City and Singapore – make up the top four, with Montreal ranking fifth. 

Lisbon (sixth), Barcelona (seventh) and The Hague (ninth) join Zug and Basel in the top ten. 

…the bad and the ugly

Aside from Switzerland featuring prominently at the pointy end of the rankings, the list was also notable for which cities ranked the worst in the world among expats. 

While Kuwait City had the unlucky honour of being ranked in the 82nd and last place on the list, some other cosmopolitan metropolises – many known for attracting workers from all over the world – were also among the worst of the worst. 

Image: Internations

Second last on the list was Rome, with expats in the Italian capital criticising the city’s poor security situation, job prospects, political instability and high cost of living. 

Another Italian city, Milan, ranked 80th on the list, with cost of living, work-life balance and political instability major factors. 

Rounding out the bottom ten was Lagos (79th), Paris (78th), San Francisco (77th), Los Angeles (76th), Lima (75th), New York City (74th) and Yangon (73rd). 

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For members

COST OF LIVING

Cost of living: Four challenges Swiss residents are facing and how to deal with them

Even though Switzerland is weathering the economic downturn better than other nations, people are still having to deal with an increasing number of problems. We look at what they are and give tips on how to save money.

Cost of living: Four challenges Swiss residents are facing and how to deal with them

Its European neighbours probably think Switzerland doesn’t have a care in the world — its inflation rate is much lower than elsewhere and its economy is stronger than most.

All that is true, and looking from the outside in, it does appear that the Swiss are faring relatively well in comparison with their EU counterparts.

However, this idealised perception of Switzerland is deceptive, as many residents are facing hardships that are not likely to be resolved in the immediate future.

Soaring rents

After the Federal Housing Administration raised reference rates to 1.50 percent from June 3rd, another hike — this time to 1.75 percent — by the Swiss National Bank (SNB), also went into effect.

These increases are putting further pressure on the tenants already dealing will high costs amid a very tight housing market, especially in large cities.

READ ALSO: Tenants in Switzerland hit by another blow with rent prices to rise further

TIP: So, what can you do if you have received a notice of your rent going up?

While the situation may seem hopeless, there are some actions you can take.

First, you can check whether the increase is higher than it should be.

You can do this using special online calculators that Switzerland’s tenant association make available.

They ask you to insert relevant information relating to your rental contract, as well as other details, and you will then see if your current rent, as well as any impending hikes, are justified.

The calculator can be found here for Swiss German regions and for French-speaking areas.  

In the mainly Italian-speaking Ticino, the local chapter can inform you how to check your rent. 

If it turns out your hike is excessive, you have the right to challenge it by reporting it to the BWO.

Increasing rents are a major headache in Switzerland. Photo: Pixabay
 

Higher health insurance premiums

Swiss healthcare premiums soared by 6.6 percent on average in 2023, putting an added financial burden on many families.

Unfortunately, these costs are expected to go up again in 2024.

In fact, not only are they set to increase again, but they may also be significantly more expensive next year: the latest figures f already show a 7.5-increase in costs per insured person.

TIP: Health insurance premiums take a huge bite out of household budgets, so what can you do to lower the bill?

Final premiums will be released by October 31st, and you will then have until November 30th to find a cheaper plan that allows you to cut at least some of the cost.

If you do decide to part ways with your current carrier, make sure you have another one in its place before making the switch. Health insurance is compulsory in Switzerland for every resident, whether Swiss or foreign, so you can’t be without coverage even for a short period of time.

Once you find a less expensive option, you can cancel your current plan.

The insurance carrier must receive your termination letter, sent by registered mail, no later than November 30th.

You must attach proof that you have taken out a new insurance policy.

Any outstanding monthly premiums must be paid before you can make the switch

READ ALSO: How to save money by changing your Swiss health policy

Rising cost of electricity

In addition to rents and health insurance, another fixed household cost — electricity — will be hit by price increases as well, even though they already increased sharply in 2023

The expected hike will be around 12 percent, the Association of Swiss Electric Companies announced in June.

This means that a typical household of four people will pay 30 cents per kilowatt hour for its electricity, against 27.2 cents this year.

TIP: While you can’t do anything about the price increases you can lower your bill by using electricity sparingly.

For instance:

  • Use heat in moderation, setting the temperature according to the size of the room and how often it is being used. Unoccupied rooms should not be heated at all
  • Turn off the light when leaving a room (this advice is logical and reasonable, and yet many people neglect to do so)
  • Shut down electrical appliances such as TV and computers completely when not in use, or even unplug them altogether
  • Use appliances with the energy label “A”, LED lamps and energy-saving bulbs, avoiding devices with high energy consumption, such as aquariums and fan heaters

Lower the indoor temperature to save on electricity. Photo: Pixabay
 

Lower purchasing power
 
Even though Switzerland’s inflation dropped to 1.7 percent in June — the lowest level since the war in Ukraine started in February 2022 — the cost of living is continuing to climb.

Not only have all the above-mentioned services gone up, but so have the prices of many essential consumer goods, including food, which have risen by approximately 20 percent

TIP: There is obviously not much you can do about food prices. You can, however try to save by shopping in the least expensive stores, for example in Aldi and Lidl, where products are typically cheaper than at Migros and Coop.

You can also opt for cheaper items, collect loyality points to save money and keep an eye on coupons. 

READ ALSO :

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