Dear Frau: Explain these strange Swiss laws!

Welcome to another edition of Dear Frau. It's kind of like Dear Abby, except with an international twist. If you have a question about life in Switzerland or moving to Switzerland, don't hesitate to contact The Frau.

Dear Frau,

I hear there are quite a few quirky laws in Switzerland. For fear of being arrested, can you please let this soon-to-be American expat in on some of these strange laws? Is it true you can't flush the toilet after 10pm? And why?

Thanks,

Confused in Connecticut

Dear Confused in Connecticut,

There are a lot of things that are a bit strange about living in Switzerland. The Frau does not pretend to know all of them, but here are three strange Swissisms she either has some personal experience with or knows someone who did:

Quiet Time

Flushing the toilet after 10 p.m. Forget Heidi, this is the real Swiss classic. The Frau does not believe this is an official Swiss law, but rather a clause that may be in your apartment rental contract. Many apartment buildings have strict quiet hours and these may include specific things a non-Swiss person may not typically associate with loud noise. Such as: not being allowed to flush a toilet after 10pm, not being allowed to do laundry on Sunday (or during the lunch hour—some buildings actually shut off electricity to the machines at this time...), or not being allowed to do gardening on Sunday.

Also on the quiet hour front: you can’t typically recycle glass bottles on weeknights or on Sundays without being yelled at for disturbing the peace. Never mind that yelling also disturbs the peace or the all night parties that go on right outside your window during Carnival or Badenfahrt…

Trash Talk

Make sure you get a copy of your city’s garbage calendar and try to understand it (for help, read this). If you put your garbage out too early (or in the wrong bag, oh my!) you may be subject to a fine. A friend of the Frau was once called to the police station where she actually had to identify her trash. She was then charged CHF 250 because she had set it out too early the night before.

Recycling paper (see photo) is another strange Swiss ritual. You let the paper pile up for at least six weeks at your apartment and then ceremoniously tie it up with strings in neat packages no higher than about six inches before putting it outside. Don’t slack and just think it would be easier to stick all that paper in a paper box or bag and put outside. It would be easier, but this does not matter. If you don’t do it correctly, your paper will not be picked up and it will be plastered with a sticker stating your error. If you’re like The Frau, you’ll then be tempted to just throw it in your regular trash rather than wait another six weeks to redeem yourself.

Transport Pitfalls

Speeding

Driving a car is expensive in Switzerland. If you go more than 5 kilometers over a speed limit, you’ll receive a CHF 40 fine in the mail for each offence. If you travel way, way over the speed limit, you will be charged a fine that’s a percentage of your salary.

Not paying the night ticket supplement

Typically beginning at 1 am, depending on the public transport network, you must buy a CHF 5 nighttime supplement in addition to your regular train ticket. If you don’t buy this and they check tickets, you will be fined as if you didn’t have a ticket at all.

Ok, the Frau has run out of energy. Anyone else have experience with some of these things or want to let Confused in Connecticut in on some additional Swiss laws or customs that are not fun to discover after the fact?

Women's Rights in Switzerland Challenged Once Again

In the spring of 2010, I wrote an article for Swiss News about the Zurich Women’s Guild and how they’ve been fighting for over 20 years for the right to march alongside the men’s guilds in the Sechseläuten parade, which is held every April. Sechseläuten is a public holiday in Zurich, and the parade is partly supported by public funds.

This spring, for the first time ever, the men’s guilds allowed the women to march in the parade, but it was a one-time invitation and it was not guaranteed that it would be an ongoing trend.

Earlier this week, I read that the men’s guilds have decided the women will no longer be welcome in the parade.

Why? Sometimes I don’t understand Switzerland at all…even when I try to by going in-depth and interviewing the people behind these stories.

I respect traditions—even 1000-year old ones—but like everything else, I feel they should evolve with the times. The other Zurich tradition, Knabenschiessen, has allowed girls to participate for over 20 years now.

And to be fair, girls are also allowed to march in the Sechseläuten parade with their fathers. But then, once they get older, they are no longer welcome.

What does this say about Swiss society?

Girls have more rights than women?

I guess the real message is this: if you’re a girl in Switzerland, try not to grow up. There’s a reason Heidi is a Swiss icon and not a grown woman. Because clearly, there are still some areas where equality for women is lacking in Switzerland.

What do you think about the men's decision to exclude the women from the parade?

Only in Switzerland, Part III

I was in the grocery store this week. The woman in front of me bought a bottle of grape juice. She paid for it with a CHF 1,000 bill ($1,136).

The high quality of life in Zurich

You hear all the time that Zurich has one of the highest quality of life ratings in the world.

But what does this mean?

I figured this out a couple weeks ago.

It was one of those boiling hot days when sitting in the office was almost unbearable. So about 11:45, I went to Seebad Utoquai and spent an entire hour swimming in Lake Zurich. While there, I ran into five other work colleagues.

"Do you come here often?" I asked, as I joined them on the deck for a few minutes after my swim.

"Every day," they replied.

Now that's what I call a great quality of life.

Big sale in Switzerland!

Hurry, yodelers. You don't get blockbuster deals like this very often in Switzerland: a savings of 11%? Now that warrants a huge ad.

And try not to faint, but there's a double bonus here, although they've hidden it by using white font on a yellow background. So I'll just tell you so you don't have to squint: The furniture store will even be open on SUNDAY.

Wow. A sale and a Sunday. I hardly know what to do with myself. Besides go shopping, that is.

Dear Frau: How does Swiss Health Insurance Work?

Welcome to another edition of Dear Frau. It's kind of like Dear Abby, except with an international twist. If you've got a question about expat life in Switzerland or moving to Switzerland, don't hesitate to contact the Frau and maybe your little Frage will be in the next edition of Dear Frau.

Dear Frau,

I am relocating to Fribourg with my husband from September through July, 2012. He received a Fulbright grant to study at the University of Fribourg, and I get to tag along. We're currently trying to navigate the private insurance world; he'll be covered by the university but I have to buy my insurance. Do you have any pointers on how Swiss health insurance works for expats and what companies to contact?

Sincerely,

Yet to be insured expat in Switzerland

Dear yet to be insured expat in Switzerland,

Swiss health insurance works no differently for expats than it does for Swiss people. Everyone in Switzerland is required to have health insurance—if you can’t prove to your city hall that you have it, they will personally sign you up. Health insurance is not paid for by employers, like it is in the United States. This is both good and bad. Good because no matter your employment status, you have insurance. Bad because it can be expensive. But the best part about Swiss insurance is that you CANNOT be denied basic health insurance for any reason.

The Frau is of the opinion that the basic, compulsory Swiss health insurance is satisfactory for most people and that there is no point to pay more than necessary to have benefits like private rooms at a hospital, since opportunities to upgrade can be paid for separately if desired.

All Swiss health insurers offer basic insurance. All you need to do is compare the price, because as far as the Frau knows, the benefits will be basically the same. (Basic insurance does not include dental or eye care).

Before the Frau signed up for insurance, she got quotes from a couple insurers and compared insurance rates on comparis.ch.

Basically, she ended up choosing Helsana, because their website was in English and they had one of the lower prices, but then Helsana somehow signed her up with SanSan, a division of Helsana that does not have a website in English. The Frau is not sure how this happened but then again she’s not sure how a lot of things happen in the country, and she’s been here over five years.

Nevertheless, despite missing her fantastic international insurance through CIGNA, which also covered dental and eye care with no deductibles, so far the Swiss insurance through SanSan has been satisfactory and for medications/vitamins not covered by it, the Frau hops over the border and buys in Germany where they are 75% less expensive. (Before you move, buy basic medicines, for example, Centrum Vitamins in the US are about $6.95 but in Switzerland the same bottle is $50).

With the basic insurance you have several options; the Frau chose the option that allowed her to go to any doctor, since even though she lives in Canton Aargau she already had several doctors she went to in Zurich at the time she had to switch from international to Swiss insurance. This option for free choice of doctors costs about CHF 20 more a month on her plan. The Frau pays about CHF 162 ($222) a month for basic Swiss insurance with this option with a CHF 2500 ($3440) deductible, which is the highest deductible. With lower deductibles, the monthly fees are higher.

As far as the Frau can tell, someone on basic Swiss insurance will end up spending about CHF 5000 ($6881) a year to be insured before the insurance company starts paying your medical bills. (This CHF 5000 includes the monthly fees, the deductible, and the extra CHF 700 they don’t tell you about that you must also pay before the insurance pays additional costs). There are some exceptions, i.e. pregnant women are exempt from paying deductible costs for most doctor visits and normal procedures related to pregnancy.

For more information, the Frau recommends reading the following:

Health insurance for people new to Switzerland

Benefits and FAQ about Swiss health insurance (download the PDFs, they are very helpful).

Anyone else want to chime in about their experience with Swiss insurance or what insurers they’ve liked/hated?

The Swiss Second-hand Scene

As you know based on my last post, I tend to frequent Swiss second-hand markets. I’m a regular at the Baden flea market, which is the last Saturday of every month, and I never pass by an opportunity to step into a Brockenhaus, or a second-hand store. I also occasionally visit Switzerland’s online second-hand store, in other words, the Ebay of Switzerland, which is, in the Swiss style of being very independent, not Ebay.ch, but ricardo.ch.

All of these second-hand Swiss entities have a few things in common: the prices of things are high and most sellers don’t want to bargain.

Both of these traits run counter to the idea of selling second-hand stuff, but then again this is Switzerland, and that fact alone somehow exempts the country the rest of the world’s way of thinking (not that this is always a bad thing, especially in these crazy economic times).

For example, my husband and I are in the market for a baby stroller. Most used strollers in Switzerland seem to be priced around CHF 350-500 ($464-$664) for something three years old. Alas, we watched one particular ricardo.ch seller try to sell their stroller for three weeks straight for CHF 350. Each week, when it didn’t sell, they just relisted it AT THE SAME PRICE. Like I said, rules of economics need not apply to Switzerland.

We finally emailed them after it didn’t sell for a fourth week and asked if we could come by over the weekend, have a look at the stroller, and then possibly buy it if we liked it. We were prepared to offer CHF 300 if we liked it, which seemed fair, considering they weren’t selling it at CHF 350.

The response: yes, you can come by and see it, but we’re not taking it off ricardo.ch. My response? Forget it. I’m not going to spend half a day renting a car to come see your stroller if I can’t buy it and take it home with me right then and there.

Anyhow, further research reveals that thanks to exchange rates and normal prices that do exist outside of this little exception of a country, we can buy the same stroller, new, from Germany for only CHF 100 more than the used, three-year-old Swiss ones are going for.

So goodbye, Swiss second-hand market. Hallo, Deutschland.

Swiss flea market bargains

In honor of the upcoming August 1^st Swiss Independence Day holiday, I found the perfect thing at the Baden flea market: a chair made especially to commemorate the 700^th anniversary of Switzerland back in 1991.

Of course, I knew none of this chair history when I bought it, I just liked the chair, knew it would match the colors in our front entranceway, and, most importantly, it was being sold close enough to carry home.

That night, I googled the chair, and the impossible happened: I found out I actually got a good deal in Switzerland. I paid CHF 50 for the chair (the owner wouldn’t bargain, typical of people at Swiss flea markets—another subject all together…), but I found it being sold online for over CHF 250.

Now that’s what I call a Preishit.

Why the Swiss love the USA

In honor of 4th of July last week, the Swiss newspaper Blick am Abend featured six reasons why they love the U.S.:

1. Free thinking. Do whatever you want. There's more room for creativity in the U.S.

I agree that the U.S. feels much more open creatively than Switzerland. It's been said that the Swiss are both prisoners and their guards. There is some truth to this.

2. American hot dog.

Can't say I'm very excited about the American hot dog. Give me a slice of deep dish pizza instead.

3. Doggy Bag.

Yes, love the doggy bag concept, although in Switzerland I don't usually have any food on my plate to take home since the portions are much more reasonable (in size, not price). But when I do have leftovers, I would appreciate a doggy bag, especially considering that next plate of Chinese food will set me back at least CHF 25.

4. Dream factory. Home of the stars and anyone who wants to be one.

I think what the Swiss are forgetting here is the concept of competition. It's easy to stand out in Switzerland without being that talented because there aren't that many people to compete against. The U.S. population is 311 million people versus 7 million in Switzerland. So yes, if you make it big in the U.S., you probably make it big worldwide. But the chances of that are like playing the lotto.

5. Music business. The music divas of the U.S. are found on Swiss TV and radio stations like none other in the world.

This actually disappoints me. I wish other countries would play their own music.

6. Smile please. We wish our service was as friendly and happy.

Amen. Would someone in this country please smile and learn that customer service does not involve toll numbers?

What do you think? Do you agree these are reasons to love America?

Swiss C Permit Reject

My husband just returned from Alphorn School. We just had a three hour dinner and German conversation with my Swiss neighbor. And we submitted everything ((including salary statements for three years and forms that stated we did not owe anyone any money (that ironically we had to pay for to receive) the Swiss government requested.))

None of this matters. I’m still a B.

After waiting five years to apply for the C permit, my husband and I were rejected because we went on vacation and therefore missed the short deadline they gave us to complete the paperwork.

Yep. Wait five years and they give you seven days. Nice.

The annoying thing is, the Swiss government knew were gone. Because we had to run around to Aarau at wee hours of the morning and pay CHF 180 for the Visa for the honor of leaving the country at that lovely time when your permit expires but they can’t seem to process another one fast enough in order to avoid you paying them more money for their tardiness.

We came back from our vacation only to collect our mail and realize they had given us only seven days to complete the paperwork—even though they knew we were gone.

The reject letter that came a week later basically said, “better luck next year. You can pick up your B-permits for CHF 220 and you have only 10 days to do so.”

Thanks, Switzerland. We love you too.

Stereotypes in the mainstream press

Hello yodelers

A Swiss blogger living in Texas, author of True America(n), recently wrote me an email suggesting that perhaps there is even more going on in some of these so-called news pieces I’ve posted than what I’ve previously mentioned.

He is right. So I would like to open up this discussion and see what you think as well.

The media can be dangerous, particularly magazines, newspapers, and TV news that we read or watch casually, like Blick am Abend.

While I find it endlessly interesting to understand the European view of the U.S. by reading publications here, it can also be somewhat disturbing if you look deeper.

Here’s the Swiss blogger’s view of the article here. He is also responding to my recent posting of it:

I admire your viewing this as just a cultural difference and understand why others in the comments don't get it. What we’ve really got here is the stereotype and subtle propaganda you can find in every newspaper in Europe. It is the daily dose of Anti-Americanism in Europe since 1776. That's how the European press fosters a special image about the United States and Americans, for centuries and for various reasons.

So, what about this little innocent article? There is no real information, nothing newsworthy about it. There is only one reason for it: Keep a certain image alive about the U.S. and Americans. Let’s take a closer look at the caption and this first sentence. Europeans see Las Vegas as something "childish, silly, ridiculous" and also "fake, not genuine" or like many things in Vegas as a "copy" of something original in the old world. Las Vegas serves as a moniker in this text for those adjectives. In your translation, you also missed the German "immer", or „always.“ Its position in the sentence also puts stress on it. This little word actually pulls the whole sentence out of the context and becomes a general statement. Here's what people understand when they read this first sentence: "Americans are always childish and everything is fake."

As an American, I do find that this stereotype exists a lot in the press here. And I think it is dangerous to people who don’t understand both sides. American and Swiss cultures are very different—friendly and exuberant versus private and discreet. Nothing is wrong with either, except when we fail to try to understand the differences. It is unfortunate that a lot of mainstream media prefers stereotyping to in-depth stories that help us better understand the world. The American press is guilty of this as well. In fact, I think a lazy press is to blame for a lot of the issues in the world today.

What do you think?

What do you see?

When I saw this picture in the local Blick am Abend newspaper I thought, "Oh, a graduation ceremony."

But then I read the caption and realized the Swiss saw something else: a little Las Vegas.

The beginning of this caption reads: Air Force Academy, CO--For the Americans, everything is a little Las Vegas.

I think this caption versus my original impression of the photo says a lot about the difference between Swiss and American culture.

What do you think?

What do the Swiss think of Americans?

Bell, a meat brand in Switzerland, has a new ad campaign advertising American style BBQ. Based on my last post, I thought their headline was actually quite appropriate: Think Big. Grill Big.

I don't think I could sum up American life much better. Could you?

The French Are Right (sometimes)

Over the weekend I had the opportunity to attend a wedding celebration in Zurich. My favorite part (besides seeing friends) was the dessert buffet. There was chocolate mousse. There was vanilla mousse. There was strawberry shortcake. There was apple strudel. And there were cream puffs. So of course I took some of everything.

While we Americans piled our plates high with sweets the French guy sitting next to me had taken just one chocolate mousse and put it in the center of his plate. He shook his head at our indulgence and told us that it was better to enjoy just one small thing than stuff yourself silly. In other words, he was very French and we were very American.

It was only the next day that I realized sometimes the French are right.

The search for the long lost cup holder

If you're an American and you rent cars in places other than North America, chances are you'll have this experience:

You buy a soda at a grocery store or gas station. You get in the car, open it, start to drink it, and then look for where to set it down so you can get on your way. You try setting it in this place and that and finally come to the conclusion that the car is missing one important thing: a cup holder.

It's taken me five years of living in Europe but I now know to not expect a cup holder in my car. A cup holder is an American thing.

I had never considered this before. But when you think about it, what self-respecting European drinks on the run? No, better to spend 5 Euros on one soda or coffee and enjoy it for a few hours at a cafe.

But the cup holder phenomenon goes beyond cars. Take baby strollers. In the U.S., you can get a baby stroller complete with, you guessed it, a cup holder. European strollers, on the other hand, have places for shopping bags instead.

Have you ever searched for a cup holder and come up empty?

Not a time to celebrate

I heard the news from Swiss radio first: "Osama bin Laden ist tot."

"Really? They finally got him?" These were my thoughts as I lay in bed. Surprise. Disbelief. And finally, hope that the world will be a safer place.

And then I went to the NewYorkTimes.com and CNN.com and saw photos of Americans around the U.S. celebrating Osama's death with flags, fireworks, and cheers.

And then my hope was gone.

Have we learned nothing over the last ten years? Shame on people for celebrating death so outwardly. And double shame on the media for posting these photos on the Internet for the world to see.

Of course, following this story was another piece about how the terror level is even higher.

Yep. Instead of reacting in a way that would not feed a terrorist's motives any more than necessary, we celebrated in a way that would make them hate us even more.

Perhaps Americans abroad have a different view of these kind of events than those back home. If I had billions to donate to a cause, I would make sure all Americans could experience a world outside of their borders.

Until then, I guess the celebrations will continue.

What do you think?

America is on sale!

For awhile, I didn't know what could help the United States recover from its economic demise, but now I do: the Swiss tourists.

There's a lot of excitement among Swiss and expats in Switzerland. They can't wait to go on a shopping vacation–to the USA. Among Europeans, the U.S. is now considered a budget destination. See above, this was the leading topic in today's newspaper, "20 Minuten."

To further the incentive, the dollar fell yesterday to a new record low against the franc: $1 is now only worth .87 francs.

In just six months, the dollar has fallen 10%; 17% for the year against the franc. Since I moved to Switzerland five years ago, the dollar has fallen a total of 30% in value. Now that's a reason to get home and get shopping.

You Know it's Easter When...

It's been a tradition for the last five years. It never fails, every Easter, my grandpa sends me a package of marshmallow Easter eggs. He doesn't put them in a box or anything, he just wraps them in a brown paper bag. So they always arrive partly smashed and stale, but I love them all the same.

Where are the April showers?

I can't believe I would ever say this in Switzerland, but here it is: I am wishing for rain. Just for a day. Please?

In my highly scientific opinion (sneeze), the pollen this year in Switzerland is probably the worst it has ever been due to the extremely warm weather and lack of rain. Since spring decided to begin in February this year, I've been sick since oh, about then. And since we haven't had any rain for at least a month, the pollen is sticking to everything and blowing everywhere.

(Sneeze.) It would just be so great if I could breathe through my nose. Unfortunately, I have forgotten what that's like. I had to go back to the pharmacy today for yet another refill on my barely functioning allergy medicine.

But despite my allergies, I couldn't help but bike through these rape fields near Wettingen yesterday (see photo above). They're out a whole month earlier than usual.

And while I'm loving the warm, sunny weather, please, Zurich, rain. I know you can do it.

Anyone else having allergy issues this spring?

Healthcare in Switzerland vs. the United States

In the past few years, the U.S. has been in the news for its so-called health care reform. But what has been accomplished?

Like most things, as you learn more about another country’s way of doing things, you’re educated about your own country at the same time. Unfortunately, what I am learning is not flattering to the healthcare situation in the United States.

Basic Swiss health insurance covers you for emergencies that take place outside of Switzerland for up to twice the cost of what this emergency would cost inside the country. And yet Switzerland, known for being one of the most expensive places in the world, recommends that for travel to the United States, one take additional travel insurance since medical costs there will likely exceed twice the cost of the same procedure in Switzerland.

Yes. Medical care in the United States will generally exceed twice the cost of medical care in Switzerland. Why? Too many lawyers? Too many greedy people? Too many fat people? To me this is absolute insanity and shows just how out of control medical costs in the United States have gotten and how much reform really needs to take place there.

What do you think?