Long-Term Care in Switzerland: What It Costs and Who Pays
Nursing home and home care costs, what health insurance and AHV contribute and how to plan.
5 min read · Insurance & Health
Life situations: Planning for retirement
Care in old age can cost far more than a pension covers.
Who pays what
- Basic health insurance pays a share of nursing costs.
- The resident pays accommodation and a part of care costs.
- Helplessness allowance from AHV and supplementary benefits may help.
- Expected monthly AHVCHF 2'300 · 41 %
- Expected monthly pension fundCHF 2'500 · 45 %
- Monthly gapCHF 800 · 14 %
Example with default values. Open the calculator →
Costs vary
Monthly costs in nursing homes can reach several thousand francs, with big differences between cantons and homes.
Plan ahead
Include care in your retirement planning, discuss wishes with the family and keep documents ready. Estimate the capital needed with the retirement capital calculator.
Try it yourself: Retirement Income Gap
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Target monthly incomeCHF 5'600
- Monthly gap
- CHF 800
- Capital needed to close the gap
- CHF 274'286
- Guaranteed income covers
- 85.71 %
- Expected monthly AHVCHF 2'300 · 41 %
- Expected monthly pension fundCHF 2'500 · 45 %
- Monthly gapCHF 800 · 14 %