Escaping Switzerland for a tax-free nomad lifestyle

I don’t know. Maybe after some time, I will start going back to the same cities. I always worked in asset management. So I will continue the same work I always did, just managing my own equity portfolio.

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Did you check out Portugal non habitual resident scheme? Income Potentially tax free for 10 years, without need to keep jumping countries, you can also keep paying to Swiss avs if you wish (optional). You have to pay 10% tax on 2 pillar withdrawal if done whilst there but can claim back Swiss withdrawal tax

link to Marketing for financial advice on Portugal NHR scheme

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I talked to ASN, an insurance broker based in Zurich. They recommend Cigna Global. It is the world’s largest private healthcare insurance, typically used by expats working for US employers in foreign countries.

The Cigna offer has roughly the same coverage and terms as my current Swiss health insurance. It is about 50% cheaper and valid worldwide, excluding the US. The insurance cost rises with age. Around age 65, it becomes more expensive than the Swiss health insurance.

Cigna has an evacuation/repatriation service. Rega membership also offers repatriation to Switzerland, but it is only available to Swiss nationals. I’ll let you know how it goes, if they ever pick me up from the jungle.

But seriously, I think that most people overestimate the risk of accidents and diseases. And they underestimate the infrastructure of other countries due to home bias. I researched the healthcare quality in Southern Europe. From what I learned, I am comfortable with it. Italy and Spain can handle 80% of cases just as well as any other European hospital. When it comes to intensive care, it’s a different story. So if I ever need a brain transplant, I would try to get it done in Germany.

The prices of healthcare services are substantially lower in Southern Europe. Most price examples were 70-80% below Switzerland.

AFAIK, Thailand has decent infrastructure, at least in the big cities. I think it makes a huge difference if you fall hill let’s say in Nepal and your insurance can transport you to Switzerland or another 1st world country to get treatment.

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Yes I did buy a worldwide insurance back then that costed like a quarter what a regular Swiss insurance would have costed. But I think I had to declare to be living in (i.e., returning to) Switzerland, even though I had officially deregistered (but kept flat and everything else).

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An interesting consideration with regards to health insurance is that as a Swiss citizen, you have the right to return to Switzerland any time, and the right and obligation to get insured with mandatory health insurance when you do - regardless of preexisting conditions.

Effectively, this means you are de facto insured by Swiss mandatory health insurance. All you have to do in the unfortunate event of your becoming seriously ill is return to Switzerland.

Of course, it depends on why you need health insurance. If it’s to cover unexpected medical emergencies, then you do need to think about insuring or self-insuring against that scenario. But if insurance to you is primarily a safeguard against serious, longer-term illnesses which allow for a return to Switzerland, then being Swiss, you have that already.

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It’s even “better”. Some insurances, if they don’t want to pay for treatments, they will pay for carrying you back to your home country.

If I ever want to do what the OP is trying, I will try to keep my swiss health insurance and sail away into the abyss, until then I need to wait till I become Swiss haha