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<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"><url><loc>https://civiora.ch/de/aktuell/krankenkasse-wechseln-30-november-2026/</loc><news:news><news:publication><news:name>Civiora</news:name><news:language>de</news:language></news:publication><news:publication_date>2026-11-07T06:00:00+00:00</news:publication_date><news:title>Krankenkasse 2027: Das günstigste Angebot kostet 600 Franken pro Jahr weniger als das mittlere</news:title></news:news></url><url><loc>https://civiora.ch/fr/actualites/changer-caisse-maladie-30-novembre-2026/</loc><news:news><news:publication><news:name>Civiora</news:name><news:language>fr</news:language></news:publication><news:publication_date>2026-11-07T06:00:00+00:00</news:publication_date><news:title>Caisse-maladie 2027 : l’offre la moins chère coûte 600 francs de moins par an que l’offre médiane</news:title></news:news></url><url><loc>https://civiora.ch/it/attualita/cambiare-cassa-malati-30-novembre-2026/</loc><news:news><news:publication><news:name>Civiora</news:name><news:language>it</news:language></news:publication><news:publication_date>2026-11-07T06:00:00+00:00</news:publication_date><news:title>Cassa malati 2027: l’offerta più conveniente costa 600 franchi in meno all’anno di quella mediana</news:title></news:news></url><url><loc>https://civiora.ch/en/news/switch-health-insurer-30-november-2026/</loc><news:news><news:publication><news:name>Civiora</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-11-07T06:00:00+00:00</news:publication_date><news:title>Health insurance 2027: the cheapest offer costs 600 francs a year less than the median offer</news:title></news:news></url><url><loc>https://civiora.ch/de/aktuell/abstimmung-29-november-2026-mwst-ahv-ehepaare/</loc><news:news><news:publication><news:name>Civiora</news:name><news:language>de</news:language></news:publication><news:publication_date>2026-11-06T06:00:00+00:00</news:publication_date><news:title>Abstimmung vom 29. November: Was MWST-Erhöhung und Ehepaarbesteuerung für einen Haushalt ändern würden</news:title></news:news></url><url><loc>https://civiora.ch/fr/actualites/votation-29-novembre-2026-tva-avs-couples/</loc><news:news><news:publication><news:name>Civiora</news:name><news:language>fr</news:language></news:publication><news:publication_date>2026-11-06T06:00:00+00:00</news:publication_date><news:title>Votation du 29 novembre : ce que la TVA pour l’AVS et l’impôt des couples changeraient pour un ménage</news:title></news:news></url><url><loc>https://civiora.ch/it/attualita/votazione-29-novembre-2026-iva-avs-coniugi/</loc><news:news><news:publication><news:name>Civiora</news:name><news:language>it</news:language></news:publication><news:publication_date>2026-11-06T06:00:00+00:00</news:publication_date><news:title>Votazione del 29 novembre: cosa cambierebbero l’IVA per l’AVS e l’imposizione dei coniugi per una famiglia</news:title></news:news></url><url><loc>https://civiora.ch/en/news/vote-29-november-2026-vat-ahv-married-couples/</loc><news:news><news:publication><news:name>Civiora</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-11-06T06:00:00+00:00</news:publication_date><news:title>29 November vote: what VAT for the AHV and the taxation of married couples would change for a household</news:title></news:news></url></urlset>