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COST OF LIVING

Five things to consider when organising childcare in Switzerland

Switzerland's childcare costs are among the world's highest, although there are some ways to save. Originally from the United States but now raising children in Zug, writer Ashley Franzen takes you through some of the most important things you need to consider when finding childcare in Switzerland.

Five things to consider when organising childcare in Switzerland
Childcare options can be hard to find in Switzerland. Photo by Markus Spiske on Unsplash

Switzerland has a peculiar dichotomy when it comes to childcare. Although many parents both work full-time, Switzerland has traditionally been hands off when it comes to childcare support for families with children under five, leading to some of the highest childcare costs in the world. 

For older kids there is before and after-school care that is offered by the canton, but for younger kids who haven’t quite started kindergarten, it can pose problems for parents who are in need of reliable care, particularly those who don’t have grandparents to rely on. 

According to the Swiss Federal Council, “Grandparents as well as daycare centres and extra-school care facilities are the most frequently used forms of childcare, with each category accounting for a third of provision for children aged 0 to 12 years. 81 percent of families in large cities turned to extra-family care for their children compared with 66 percent of families in rural areas. Parents’ satisfaction with the care facilities is high, but there is still unmet demand.” 

What alternative childcare options do I have in Switzerland?

There are various childcare and nursery options for babies and toddlers up through young children aged five or six. Each canton offers childcare, though often there are lengthy waitlists for available spots.

READ ALSO: ‘A developing country’: Why do so few Swiss children attend childcare?

An alternative might be a private or bilingual daycare, but the costs for these are even higher than the locally-run childcares, and sometimes have longer waitlists.

Get on a list early as it’s important to get the ball rolling on paperwork, especially as a foreigner in Switzerland. 

An alternate option is to find the equivalent of a Tagesmütter, or a carer who opens up their home to taking care of up to four children at a time, when there is space available.

The costs remain about the same, but it can be easier to get placement for childcare with an in-their-own-home carer.

Some families opt to hire a nanny, but it may not be possible financially for all families. As for bringing an Au Pair to join the family, there are specific rules and regulations in Switzerland surrounding pay, number of hours they can work (about half of which you would need to be present for), and language rules– the main one being they cannot speak the same language as the family. Additionally, language classes are stipulated for the duration of their stay. 

Suffice it to say, that there are quite a few hurdles to overcome and in order to make sure your family is supported with reliable childcare to meet your needs.

Below are five things to consider as you plan out and organise childcare in Switzerland.

Children play with educational tools. (Photo by Thomas SAMSON / AFP)

1. Compare the options

Childcare in Switzerland is top notch, albeit expensive, so make sure you take the time to figure out where you want to enrol your child.

Some of the best programs are actually run as not-for-profit organisations, such as KiBiz in Zug.

READ ALSO: What alternative childcare options do I have in Zurich?

Most daycares offer a pedagogically strong curriculum and having them at a local daycare gives your child the opportunity to learn the local language. 

2. Decide on someone to name as your emergency contact

This can be a bit harder if you don’t have family or friends nearby, but double check with a colleague or someone that you trust in the case of an emergency or illness.

Finding a colleague that is willing to help by picking up the kids when they were sick when both parents find themselves out of town can be incredibly helpful. 

READ MORE: How much does it cost to raise a child in Switzerland?

3. See if you qualify for subsidies

According to the OECD, Switzerland has the highest cost for childcare among wealthy countries. Cantons are in the process of trying to increase the amount of money they’re able to allocate for assisting families with the costs.

If your household income is under a certain amount (it varies by canton), then it might be possible to have some of the costs of your family’s childcare covered. 

4. Consider having a babysitter or two on hand that you can call

As a foreign parent in Switzerland, sometimes it makes sense to have someone extra to call on for help with childcare coverage– even if you don’t think you’ll need anyone.

Meetings get moved, appointments need to be rescheduled, and sometimes there’s the odd school workday, where kids do not attend classes.

READ MORE: How to save money on childcare in Switzerland

In situations like these, having someone to reach out to, who can help provide coverage (and perhaps even the occasionally date night) helps provide a safety net for parents that might not have any backup to call at the spur of the moment. 

5. Be open for and prepared to have a hurdle or two, be it language or logistics

Many of the institutions around the country, particularly for younger kids are really good at filling in the parents on what the kids have done during the day, what they’ve eaten, how they’ve acted. The seemingly hardest part is actually filing the paperwork and piecing together care, particularly if you don’t speak the local language.

Wendy Noller is originally from Australia, and now lives in Luzern with her husband, and their two children, aged five and seven.

When they were getting signed up for Kita, she expresses that there were quite a few hurdles to consider.

READ ALSO: How different is raising kids in Switzerland compared to the United States?

Initially they received a letter from Canton Luzern stating that there weren’t enough places for their daughter. “We had heard negative reviews from other expats, but learned that there really are a lot of myths around childcare– that it’s not good quality, or there aren’t enough places. My husband and I work 100 percent and [when registering the kids], found the local authority to be both very helpful and responsive.”

She adds that she would call or email every couple days after receiving the letter to express that they both worked full-time and were really interested in their daughter integrating.

In the end, just a couple days before school started, they were told there was a place available for her. 

While their situation had a happy ending, sometimes other backup plans need to be put in place. Organising childcare in Switzerland is doable and having a fellow foreigner who has gone through it before to help share their experience or how to go about it can make a difference in how easy or how difficult it feels. 

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MONEY

Do adult children in Switzerland have to support their parents financially?

Usually, it is the parents’ responsibility to ensure their kids are well taken care of financially. But can Swiss authorities force the children to return the favour in times of need?

Do adult children in Switzerland have to support their parents financially?

In most cases, once children are grown up and out of the house, they are (or at least should be) self-sufficient in terms of finances.

Parents too should breathe a sigh of relief that they are no longer obligated to pay for their children’s expenses, except perhaps for giving them some money here and there as a gift.

This is what happens in the best-case scenario.

But what if things don’t go according to this plan — for instance, if the parents find themselves in financial straits and can’t  afford to pay their bills?

Family obligations

Generally speaking, the truly needy people who don’t have enough income to pay for their basic living expenses will receive financial help from the government, in the very least in the form of the health insurance and housing subsidy.

READ ALSO: Can I get financial help in Switzerland if I’m struggling to pay the bills?

However, before doling out public money, authorities will see whether relatives should be made to help the struggling individuals pay their bills.

(In this context, ‘relatives’ means only those in the direct line of descent: grandparents, parents, and children.)

They will do it by checking the tax status of these relatives — how much they earn and what other financial assets they have — to determine whether, and how much, they should be paying toward their parents’ expenses.

Obviously, you will be expected to pay up only if your own financial situation allows it; you will not be forced to part with your money if you have very little of it yourself.

 ‘Favourable financial circumstaces’

Based on a Federal Court ruling, if the adult child  lives in ‘favourable financial circumstances’ they are required to help out their struggling parents.

The Court defined ‘favourable financial circumstances’ as income and assets allowing a comfortable life.

‘Comfortable life’, in turn, was defined by the Swiss Conference for Social Welfare (SKOS), as a taxable annual income of 120,000 francs for a single person, and 180,000 francs for married couples.

“If you have minors in your household, the limit is increased by 20,000 francs per child,” according to AXA insurance.

It goes on to say that you can deduct an exempt amount from your taxable assets.

“Your annual depletion of assets is deducted from the remaining amount. This means that if you are obligated to provide financial support, you are permitted to use part of your assets yourself each year; you don’t have to devote your entire assets to providing support.”

At between 18 and 30 years of age, this is 1/60th per year; from 31 to 40, 1/50th per year; 41 to 50, 1/40th per year; 51 to 60, 1/30th per year; and from the age of 61,1/20th per year. 

Are there any exemptions to these rules?

Aside from not having sufficient funds, you could be exempted from paying if, say, your parents, or parent, have not lived up to their own financial obligations toward you.

In Switzerland, parents are required to  provide financially for their children until the age of majority, and even beyond that if they are still studying or undergoing vocational training — typically, until the mid-20s.

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