What do I need to bear in mind if I work in Switzerland for an employer outside of Switzerland?

People who are resident and gainfully employed in Switzerland for an employer that has neither a registered office nor a permanent establishment in Switzerland are classified in German as "ANobAG". If you have ANobAG status, you're responsible for managing key aspects of your social insurance contributions yourself. You should first clarify whether you are a "genuine" or "non-genuine" ANobAG. Your classification determines who pays your social insurance contributions and whether you're obliged to join a pension fund, among other things. The deciding factors are your nationality and the location of your employer's registered office.

All people with ANobAG status are required to pay contributions to old-age, disability, loss of earnings and unemployment insurance, as well as to the family compensation office, and they're generally responsible for coordinating with the relevant compensation office themselves.

• If you're a genuine ANobAG, you have to pay the employer's and employee's contributions yourself, including administration costs.
• If you're a non-genuine ANobAG, your foreign employer is obliged to contribute towards your social insurance.

You should also check the following insurance: Accident insurance in accordance with the Accident Insurance Act is compulsory for all ANobAG employees. Non-genuine ANobAG employees are also obliged to join a pension fund, provided that they haven't yet reached the reference age for retirement and that their pensionable salary exceeds the minimum amount for pension fund eligibility. If you're a genuine ANobAG, you can join a pension fund voluntarily. It may also be worth supplementing your insurance coverage, for example with daily sickness benefits or supplementary accident coverage.