Death in Switzerland: the steps in order

When a loved one dies in Switzerland, the first step is notifying the civil registry office: nothing can happen without it. Many rules then vary from one canton to another, and this guide says so each time.

The essentials

In Switzerland, a death outside a hospital or care home must be reported within two days to the civil registry office where it occurred. The funeral waits for its confirmation. The certificate of inheritance, requested from the cantonal authority, then gives access to the estate.

The steps, in order

  1. 01

    Have the death certified

    In a hospital or care home, the death certificate is issued automatically. At home, call the family doctor or emergency services. After an accident or a crime, inform the police.

  2. 02

    Report the death to the civil registry

    If the death occurred in a medical facility, the facility reports it. Otherwise, the family reports it within two days, in writing or in person, to the civil registry office where the death occurred, with the original death certificate, the family book or family certificate and an ID of the deceased. The funeral director can do it for you. Even a foreigner not living in Switzerland must be reported there.

  3. 03

    Arrange the funeral

    It can only take place once the civil registry office has confirmed the report. Cremation or burial: customs and fees are arranged with the municipality or the funeral director. Many municipalities cover the cost of burial or cremation.

  4. 04

    Notify the insurers, the bank and the landlord

    Health insurance and other insurers, AHV, bank, post office, subscriptions, tax authorities, road traffic office. If the deceased lived alone in a rented home, the lease is terminated and the home must be handed back within the notice period.

  5. 05

    Apply for survivors' pensions

    The spouse, the registered partner and the children may be entitled to an AHV pension: apply to the compensation office that collected the deceased's last contributions. Without marriage or a registered partnership, there is usually no pension. The second pillar may provide one as well: ask the employer or the pension fund.

  6. 06

    Obtain the certificate of inheritance

    It is what gives access to the estate, for example to withdraw money from an account. The competent authority depends on the canton. Allow several weeks, and from a few hundred to a few thousand francs depending on the checks needed.

  7. 07

    Accept or refuse the inheritance

    To avoid inheriting the deceased's debts, you can renounce the inheritance within three months, by registered letter to the authority of their last place of residence. Anyone who helps themselves to the estate before it is divided loses this right.

Frequently asked questions

How long do you have to report a death in Switzerland?

Two days, when the death occurs outside a hospital or care home: the family reports it to the civil registry office where it occurred. In a medical facility, the facility takes care of it.

Who pays for the funeral?

Many municipalities cover the cost of burial or cremation. Elsewhere, the family hires a funeral director and asks for a quote.

Is there an inheritance tax?

Yes, but it is cantonal: every canton except Obwalden and Schwyz levies one, and there is no federal inheritance tax. The spouse, the registered partner and descendants are generally exempt.

Can you refuse an inheritance?

Yes, within three months, by registered letter to the competent authority of the deceased's last place of residence. It is best not to take anything from the estate before deciding: you would lose the right to refuse it.

The Swiss steps, followed with the family

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Official sources

Updated on October 26, 2026. This guide summarises the usual steps; it does not replace advice from a notary, a lawyer or your country's authorities. How we write our guides