24-hour senior care at home in Switzerland

Financial support

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Financial support for care at home

You don’t have to fund professional care in your own home on your own. In Switzerland, people who need care are entitled to various forms of financial support – even outside a care home. We show you what options there are and actively help you clarify your entitlement and apply.

Helplessness allowance from OASI or IV: regardless of assets

If you permanently need help with everyday activities such as dressing, personal hygiene or eating, you can apply for a helplessness allowance (Hilflosenentschädigung, HLE). It is paid monthly by the old-age and survivors’ insurance (OASI/AHV) or the invalidity insurance (IV) – on top of your pension and regardless of income and assets.

You are entitled if:

  • You live in Switzerland and are insured there
  • You have mild, moderate or severe helplessness
  • The helplessness has lasted without interruption for at least six months
  • You do not receive benefits from accident or military insurance

Current monthly amounts

Helplessness OASI, at home IV, at home
Mild
CHF 252.– CHF 504.–
Moderate
CHF 630.– CHF 1’260.–
Severe
CHF 1’008.– CHF 2’016.–

As of 2026. OASI only pays an allowance for mild helplessness if you live at home; if you live in a care home, IV pays lower amounts. If you received a helplessness allowance from IV before reaching retirement age, OASI continues to pay it at the same amount. Sources: OASI leaflet 3.01 and IV leaflet 4.13 (both in German).

We help you with the application and the paperwork.

Reimbursement through supplementary insurance (VVG)

Many health insurers reimburse household help and care at home if you have the right supplementary insurance (governed by the Insurance Contract Act, VVG).

  • Can usually be combined with a doctor’s prescription
  • Simple billing directly with the insurer is possible

Check your policy or ask your health insurer – we will help you find out.

Tax deductions

In many cantons, the cost of care at home counts as disability-related expenses and is tax-deductible.

  • Deductible: care costs, household help, travel costs
  • The rules of your canton of residence apply
  • Your tax office or a tax adviser can clarify this

On request, we provide the necessary documents and flat-rate statements.