Front Office Customer Service Specialist Ambulant — Axa Svizzera

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Geographic detail

This page corresponds to the job slug addetto-a-front-office-prestazioni-ambulatoriali-axa-svizzera-80-winterthur-smart-working (trailing token: Winterthur Smart Working).

The reference location stated in the job ad is Winterthur, Canton of Ticino. Remote-tagged roles still retain the city reference for tax, contract and G Permit enrolment purposes.

Original description

Join AXA, Switzerland’s leading insurance company - as Are you excited about a dynamic and rapidly growing environment at a top employer? Are you ready to roll up your sleeves, get involved, and contribute to the youngest yet fast-growing sector of AXA Switzerland – health insurance? – YES? Then you are in the right place! AXA’s health insurance was founded in summer 2017 and now counts over 200,000 active customers. The health insurance offerings include supplementary health insurance and innovative services such as the switching and billing service. With these unique services across Switzerland, our customers not only save money but also entrust us with their administrative tasks. Saving time or money? With AXA, you get both! In this responsible position, you ensure efficient and high-quality handling of operational front office activities. Together with a dedicated team, you guarantee first-class customer service and actively contribute to the sustainable success of the health insurance division. You will face a versatile range of tasks with the opportunity, depending on your suitability, to participate in cross-departmental projects. In the health insurance sector, you work within AXA Switzerland’s Vorsorge (prevention) department. With our diverse and innovative products, we create space and security for our clients so they can live their lives carefree. ## Your Contribution - You take on a central coordinating role and communicate both by phone and in writing with insured persons, service providers, and other stakeholders. Ensuring competent, solution-oriented support. - You act as a gatekeeper for all customer inquiries in the AXA health insurance division. - You ensure high service quality across digital channels (customer portal, myAXA app) using the innovative tools we provide. - You work closely with the back office and internal interfaces, promoting smooth, cross-departmental collaboration. - You independently coordinate customer requests and efficiently

Job details

  • Company: Axa Svizzera
  • Position: Front Office Customer Service Specialist Ambulant
  • Location: Winterthur, Ticino

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Information for cross-border workers

Axa Svizzera is located in Winterthur in the Canton of Ticino. Cross-border workers need a G Permit, renewable annually, to work in Switzerland. The Canton of Ticino applies withholding tax at variable rates on gross income. Since 2024, the New Tax Agreement introduces concurrent taxation between Italy and Switzerland.

Swiss social contributions include AVS (5.3%), unemployment insurance (1.1%) and LPP (occupational pension). Use our free tax simulator to calculate your net salary and compare the cost of living between Switzerland and Italy.

G permit and residence. To apply for this position as a cross-border worker you must reside in an Italian municipality within the 20 km border zone (Lombardy or Piedmont) and return home at least once a week. The employer files the G permit at the cantonal migration office after the contract is signed: first issuance takes 2-6 weeks and is then renewed yearly. Full-time remote work from Italy is not compatible with cross-border status; extended absences from the Italian home (more than a working week without returning) jeopardise the fiscal regime.

Net salary and the 2024 fiscal agreement. The gross salary advertised here is withheld at source by the Swiss employer at effective rates between 5 % and 19 % in the Canton of Ticino depending on income, marital status and dependants. Cross-border workers hired on or after 1 January 2024 fall under the new Italy-Switzerland concurrent regime: Italy taxes foreign employment income while granting a tax credit on Swiss withholding up to 80 %, declared in section RW of the Italian tax return. Together with social charges the typical gross-to-net gap is 18-28 %. For a personalised calculation on the gross offered by Axa Svizzera open the salary simulator.

Commute and quality of life. Working in Winterthur means a daily commute that depends on which crossing you use: Brogeda (A2 motorway) and Chiasso-strada cover the Mendrisiotto and Luganese areas; Stabio and Gaggiolo serve commuters from the Varese province; Ponte Tresa is the historic gateway for Luino and the Verbano lake region. At peak times a Como-Lugano leg runs 25-50 minutes; Varese-Lugano typically takes 35-60. For those considering relocation to Ticino, average rent for a 3.5-room flat in Lugano is CHF 1,500-2,200/month, against EUR 600-900 for an equivalent unit in the province of Como. The Swiss healthcare network (LAMal) offers shorter access times than the Italian SSN but at a monthly premium of CHF 350-500 per adult — a substantial line item in any net-vs-net comparison.

Frequently asked questions

What is the net salary for a cross-border worker in Ticino?
Net salary depends on gross income, marital status and number of children. In the Canton of Ticino, withholding tax ranges from about 2% to 15%. Together with AVS-AI-IPG (5.3%), unemployment insurance (1.1% up to CHF 148,200/year) and LPP (7-18% by age), the typical gross-to-net gap is 18-28%. Use our simulator for a personalised calculation against this listing.
Do cross-border workers need Swiss LAMal health insurance?
New cross-border workers since 2024 must enrol in Swiss LAMal within 3 months of starting work, unless they exercise the right of option to stay in the Italian SSN. Premiums vary by canton, insurance model (standard, family doctor, telmed, HMO) and deductible (CHF 300 minimum up to 2,500 maximum): compare LAMal premiums.
How do I get a G permit to work in the Canton of Ticino?
The G permit is filed by the employer at the cantonal migration office after the contract is signed. First issuance takes 2-6 weeks; the permit is renewed yearly up to the contractual limit. You must reside in an Italian municipality within the 20 km border zone (Lombardy or Piedmont) and return home at least once a week. Full-time remote work from Italy is not compatible with the status.
13th-month salary, vacation and overtime: what does Swiss law say?
The 13th salary is not statutory but is standard practice in Ticino and almost always specified in the contract: paid in December or split into two tranches (June + November). Minimum statutory holiday is 4 weeks (5 weeks for under-20s and over-50s with seniority). Overtime above 40-45 weekly hours, under the Labour Act (LL), is compensated with a 25% premium or equivalent time off within 14 weeks.
What documents do I need to apply for a Swiss job?
For the initial application: CV (European or Swiss format, in a cantonal language), cover letter, and a recent work certificate. After the contract is signed: valid ID card (passport recommended), Italian residence certificate, birth certificate for the G-permit filing, and — for regulated sectors (healthcare, schools, security) — recognition of the Italian degree by SBFI/SEFRI or the relevant cantonal authority, a process that takes 3-6 months.

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