Nele In Zurich

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Nele In Zurich Your mom friend you were looking for👱‍♂️👶🇨🇭
Managing home and life on a budget 📈
Sharing secrets with pricetags 🤑
✉️ [email protected]

13/10/2026

Come along on an Aldi shop with me here in Switzerland 🛒🇨🇭

Follow for more on shopping and the cost of living in Switzerland.

12/10/2026

What does a family of four actually pay for phone and internet in Switzerland? 🇨🇭🤑

Follow me for more money tips and cost of living in Switzerland 🇨🇭

11/10/2026

What does electricity really cost in Zurich? ⚡🇨🇭

Here's a look at our family's bills, including charging our hybrid car.

Follow me for real Swiss living costs and tips for finding better deals!

11/10/2026

*There is a ceiling to ordinary annual cost sharing
For an adult with a CHF 2,500 franchise, the normal maximum is the CHF 2,500 franchise + up to CHF 700 retention fee = CHF 3,200, excluding things like the separate CHF 15/day hospital contribution where applicable.

*With a CHF 300 franchise, it is not CHF 300
The corresponding ordinary maximum is CHF 300 + up to CHF 700 retention fee = CHF 1,000, again before any applicable hospital-stay contribution.

*So the real additional medical-cost exposure is not CHF 2,200 plus infinity
You are comparing a larger but bounded potential cost against a guaranteed premium saving.

*That is how I think about risk
I would rather know the worst-case number, decide whether I could handle it, and then compare that against what I would definitely pay in higher premiums every year.

That does not mean CHF 2,500 is right for everyone. It means the decision becomes much less emotional once you understand the actual boundaries.

Comment HEALTH and I will send you my free Swiss Health Insurance Check-up 🇨🇭

11/10/2026

How much do we pay for phone and internet as a family of four in Switzerland? 🇨🇭🤑

Follow me for more money tips and cost of living in Switzerland 🇨🇭

10/10/2026

New prescription glasses in Switzerland for just CHF 130? 🤓 Yes, including frames and lenses that turn into sunglasses! ☀️

I found mine on Alensa, and I've been saving on daily contact lenses ever since.
Would you order glasses online? 👀

Follow for more money-saving tips in Switzerland! 🇨🇭
Not sponsored - just sharing a good deal I found!

10/10/2026

*Basic health insurance is compulsory
This is not one of those subscriptions you can decide to live without because you are healthy.

*If you do not arrange it, the decision can eventually be made for you
If someone who is required to be insured does not comply within the required timeframe, the cantonal authority can assign them to an insurer.

*So the choice is not really "insurance or no insurance"
The useful choice is how you structure the mandatory insurance you already need: insurer, franchise, model and accident coverage where relevant.

*This is why I spend time optimising the parts I can control
If I have to pay for basic insurance anyway, I at least want to understand what I am buying.

Comment HEALTH and I will send you my free Swiss Health Insurance Check-up for 2027 🇨🇭

10/10/2026

Another week, another Aldi haul ☺️😀

Follow if you live in Switzerland and love to save money 🇨🇭🤑

09/10/2026

*Standard = most freedom
You generally keep the broadest choice of provider, so this can suit people who want flexibility and do not want to follow a set first-contact route. The downside is usually a higher premium.

*Family doctor / HMO = start with one medical practice
You first go through your chosen GP or medical centre, which then coordinates referrals if needed. This can be great if you like having one place manage your care and do not mind giving up some freedom of choice.

*Telmed = call or go digital first
Your first step is normally a telemedicine service or app. I actually think this can be one of the most convenient options if you travel a lot, work inflexible hours or prefer solving simple questions remotely.

*Pharmacy / Flex = newer options worth checking
From 2027, Priminfo also groups models where a partner pharmacy is your first contact, and FLEX models where you can choose between several first points of contact. That can be interesting if you want some structure without being tied to only one route.

The real question for me is not "which model is cheapest?" but which model matches how I would actually seek healthcare?

Comment HEALTH and I will send you my free Swiss Health Insurance Check-up 🇨🇭

One honest note: the exact rules differ by insurer and product, so always check the conditions of the specific model you are considering.

09/10/2026

Comment CALCULATOR and I will send my free insurance calculator your way 🇨🇭

There is no universal right answer when it comes to Swiss health insurance – it depends on your own
premiums and how much healthcare you realistically expect to use. So instead of guessing, I put together something that runs the numbers for you.

One honest note: it is there to help you compare your own numbers, not personalised insurance advice.

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Zürich

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