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LIVING IN SWITZERLAND

Switzerland to legalise medicinal cannabis from Monday

Switzerland is set to legalise medical cannabis from Monday onwards, although recreational cannabis will remain illegal. Here’s what you need to know.

A joint and some sticky icky bud on top of a magazine encouraging you to grow your own.
Switzerland will legalise cannabis production and medical-based consumption, although the specifics of the law remain to be seen. Photo by Shelby Ireland on Unsplash

As of August 1st, the use of cannabis for medical purposes will be allowed in Switzerland

Patients who are medically prescribed the drug will no longer need to seek exceptional permission from the health ministry, as was the case prior to August 1st. 

Demand for cannabis-based treatments has risen sharply, with the health ministry issuing 3,000 exceptional authorisations in 2019.

The government “intends to facilitate access to cannabis for medical use for patients” and was therefore lifting the ban on its use for that purpose, it said in a statement.

The previous procedure involved “tedious administrative procedures”, said the ministry. “Sick people must be able to access these medicines without excessive bureaucracy.”

As of August 1st, “the decision as to whether a cannabis medicinal product is to be used therapeutically will be made by the doctor together with the patient” the government wrote

The sale and consumption of cannabis for non-medical purposes will remain prohibited.

READ MORE: Switzerland to lift ban on medical use cannabis

The new regulations could benefit thousands of people suffering from severe chronic pain, it added, including those with cancer and multiple sclerosis.

READ ALSO: Why Basel is about to become Switzerland’s marijuana capital

The law change will also mean that the cultivation, processing, manufacture and trade of cannabis for medical use will be subject to the Swissmedic regulatory authority, just as with other narcotics for medical use such as cocaine, methadone and morphine.

When will Switzerland legalise recreational cannabis? 

Currently, small amounts of recreational cannabis are tolerated in Switzerland. 

“The decisive factor for classification as a banned drug is how much THC is contained in a cannabis product. If the THC content exceeds one per cent, the product is prohibited. Hashish is prohibited regardless of its THC content.”

As noted by the Swiss government “If you are caught in possession of a small amount of cannabis (no more than 10 grams) for your own consumption, you will not be fined. In addition, if you supply (but do not sell) up to 10 grams to an adult, e.g. when sharing joints, you will not be fined.”

“If you are caught using cannabis, you may be given a fixed penalty fine of 100 francs.”

In June 2020, the National Council approved a plan to start cannabis trials for recreational use.

The experiments are to be carried out in Switzerland’s larger cities. Basel, Bern, Biel, Geneva and Zurich have all expressed interest in conducting the trials. 

The study seeks to find out how the market for cannabis works – and how to combat the black market. The social effects of legalisation will also be examined. 

At this point, no decisions have been made. However, Swiss authorities have set certain conditions in case recreational use is approved.

The National Council said if cannabis were to be legalised, it must be locally grown in Switzerland – and it must be organic. 

Health Minister Alain Berset noted that legalisation should benefit Swiss farmers even though “very few producers have experience in this area”.

READ MORE: Switzerland backs recreational cannabis trials – with one condition

Can you grow your own cannabis?

In truth, a number of people cultivate marijuana plants on their balconies or in their (secluded) gardens for their own personal use.

As it turns out, the law allows it, as long as it is a variety of the plant that does not have a narcotic effect — that is, the THC content must be less than 1 percent. 

By the same token, cannabis-based products with THC content of below 1 percent can be brought into Switzerland from abroad.

However, the import rules differ depending on the type of product  it is — flowers, seeds, extracts, oils, or other goods.

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FLOODS

Are homes in Switzerland insured against floods and landslides?

Switzerland’s recent flooding and landslides have many international residents questioning if their home insurance covers them against such damage. Here's how that works. 

Are homes in Switzerland insured against floods and landslides?

The good news is that yes, thanks to Switzerland’s federal law on the supervision of insurance companies, landslides and flooding damage are covered under the category of Elementarschäden or ‘elemental damage”. 

Who pays for the damage is determined by what is damaged. 

The two types of home insurance 

Damage to the contents of your home, such as appliances, furniture and decor is covered by home contents insurance – in Hausratversicherung in German and Assurance de contenu in French. 

Home contents insurance is not mandatory in Switzerland apart from in four cantons. 

Nidwalden, Vaud, Freiburg and Jura require homeowners to take out home contents insurance. 

READ MORE: Should you insure your Swiss home against earthquakes?

A brief survey of the country’s largest providers reveals that you can expect to pay 150 to 300 Swiss francs a year, depending on the kinds of premiums you choose. 

Damage to your home itself, such as walls, ceilings and windows is covered by building insurance – Gebäudeversicherung in German or Assurance bâtiment in French. 

Unlike home contents insurance, building insurance is mandatory across most of Switzerland for those who own their own home. 

In most cantons, homeowners need to take out building insurance with the cantonal building insurer – you can find a list here

Uri, Schwyz and Obwalden also require owners to insure buildings, but they are free to choose their provider. 

Only Geneva, Ticino, Appenzell Inner Rhodes and Valais do not require building insurance. 

It must also be noted, however, that every canton has a property value under which insurance is not mandatory and it’s worth checking with your local authorities. 

You can expect to pay 300 to 1000 Swiss francs a year for building insurance, based on a quick sample of the largest providers, but again, this will vary considerably depending on the size of your home and any premiums you choose. 

Big risks, big business

Insurance is big business in Switzerland – projected to reach 26 billion Swiss francs in gross held premiums this year, according to Statista.

That’s fair enough, considering the Alpine nation’s vulnerability to such events as flooding, landslides, avalanches and other natural disasters. 

The Federal Office for the Environment (FOEN) estimates that natural disasters have cost 306 million francs per year since 1972 and the Swiss Federal Institute for Forest, Snow and Landscape Research put the damage caused in 2023 by storms – including landslides and flooding – at 75 million francs

With these figures in mind, it’s better to be safe than sorry.

Have you got advice for other readers when it comes to home insurance in Switzerland? Let us know in the comments section below.

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