SHARE
COPY LINK
For members

HEALTH

How long can you expect to live in good health in Switzerland?

Life expectancy at birth in Switzerland is currently one of the highest in the world, but with longevity on the rise a new study put a figure on how long Swiss can expect to live in good health for.

A person climbing a rock
People are generally happy in Switzerland. Photo by Joshua Earle on Unsplash

The latest findings on the trends in the Swiss population’s disability-free life expectancy, published in Swiss Medical Weekly, analysed the health of 65 to 80-year old men and women between 2007 and 2017.

The study showed that the disability-free life expectancy for both men and women aged 65 increased significantly over the 10-year study period.

The study found that by 2017 men aged 65 in Switzerland could expect to live another 16.2 years in good health. That was an increase of 2.1 years compared to 2007 when on average men could expect to live another 14.1 years without suffering a disability.

Meanwhile women in Switzerland aged 65 could expect to live for another 16 years in good health in 2017. This reflects an increase of 1.5 years compared to 2007.

In terms of overall life expectancy, so not just in good health, the study found that men aged 65 in Switzerland can expect to live for another 19.7 years and women for another 22.1 years.

So in other words although women can expect to live longer in Switzerland compared to men they are on average in poor health for longer.

Life expectancy with severe disability decreased at both ages by around 6 months in women and 2 to 3 months in men.

In addition to the findings in the current study, the Swiss Medical Weekly stated that future trends in disability-free life expectancy may be impacted by the COVID-19 pandemic, though only momentarily.

The authors believe that new studies should be conducted in the coming years to monitor any future trends in both Swiss people’s life expectancy with and without disability.

But why do the Swiss live longer?

According to data published by the World Health Organisation (WHO), Swiss men outlive men from other countries at a life expectancy at birth of 81.75 years, while Swiss women currently rank 7th at a median life expectancy of 85.08 years.

Overall, the Swiss have the world’s second longest life expectancy (83.45 years), only surpassed by Japan’s 84.26 years average.

While it’s comforting to assume one can enjoy a longer and more importantly healthier life in Switzerland, you may be wondering why that is the case.

While there is no one size fits all answer to this conundrum, Switzerland’s Federal Statistical Office names several factors that may contribute to its residents’ longer and healthier lives, such as well-distributed material wealth, a balanced and healthy diet, low risk working conditions and the country’s clean environment.

It also states that a person’s social status can play a central role in their overall life expectancy – even more so than access to high-quality health care.

A higher social status, the Federal Statistical Office finds, often equates to a higher-level education which in turn means a person is more likely to educate themselves on the benefits of nutrition and exercise and hence, enjoy good health for a long time.

Member comments

Log in here to leave a comment.
Become a Member to leave a comment.
For members

HEALTH

How can a foreign resident apply for Swiss disability insurance?

This particular benefit is part of the compulsory social insurance scheme for all persons living in Switzerland — including foreign citizens.

How can a foreign resident apply for Swiss disability insurance?

Disability insurance (DI), also known in Switzerland as ‘invalidity’ insurance, may sound as though you have to be physically handicapped in order to be eligible to receive this benefit.

But that is not so.

It is intended to replace lost income if you can’t work for long periods of time due to health problems — whatever the type of your ailment.

According to a government brochure on this subject, “the law defines invalidity as a total or partial incapacity to work or inability to perform previous tasks. The reason for the invalidity must be an impairment of physical, mental or psychological health that cannot be overcome with medical treatment and reintegration measures. Possible causes of the health impairment are a congenital infirmity, an illness, an occupational disease or an accident.” 

Are foreigners eligible for this insurance?

Everyone working Switzerland, regardless of the nationality, is insured for DI when they pay their compulsory social security contributions.

Note, however, that you will be entitled to draw full amounts (read more about this below) only if you contribute into the social security scheme from the time you turn 21 without any gaps.

You will receive these payouts for as long as you remain in Switzerland

However, if you move away, there will be some differences  based on whether you come from the EU / EFTA states (Norway, Iceland, Liechtenstein), or a third country.

Nationals of  EU / EFTA have the same DI rights as Swiss citizens — they will continue to receive the benefits even if they move back.

But if you come from elsewhere, benefits may be limited once you return to your country of origin, if that country doesn’t have a social security agreement with Switzerland.

How can you apply for these benefits?

In order to receive the DI, you will first need to complete an application form for IV/AI benefits (form available in German, French and Italian).

You will have to provide various documents, including medical certificates and other relevant paperwork detailed in the form that will allow authorities to determine whether you are eligible to receive disability  in the first place and, if so, how much (see below).

It is in your interest to register as soon as possible.

If you wait too long, your benefits may be reduced.

How much can you expect to receive?

These payments are intended to cover your essential needs, so don’t expect huge amounts.

The benefits are determined by two factors: your average salary before you become disabled, as well as the degree of your disability, which will be determined by health professionals designated by your social security office.

Logically, the more (and longer) you earned and contributed into the system, the more you will receive.

Generally speaking, the lowest possible full DI pension is currently 1,225 Swiss francs per month.

The highest is 2,450 francs per month — if  you earned 86,040 francs or more per year and you have paid uninterrupted contributions from age 21.

What if these amounts are not enough for you to live on?

In this case you could receive supplemental benefits at a level considered adequate to maintain a reasonable standard of living.

Whether or not you are eligible for these benefits depends on your combined income and your personal wealth. You can only receive supplemental benefits as long as you live in Switzerland, though — unlike the basic DI, they are not transferable abroad.

SHOW COMMENTS