Nowadays, Many Insurance companies guarantees the continuation of the temporary and partial wage payment in case of Accident, Sickness and Unemployment Insurance and promotes the reintegration of unemployed into the labor market. It is mandatory for employees. The employer is obliged to pay contributions to unemployment insurance for its staff (1%). Self-employed workers can not insure against unemployment – even voluntarily.If the business fails, you are entitled to receive unemployment benefits only if the last two years before the unemployment has been paid for at least 12 months as employee contributions to the CEO.
Holders of AG or GmbH working in their own business are considered employees and unemployment insurance can adhere to the following conditions:
- the wages paid must have been really
- Social security contributions have been paid
As long as the company has not been settled and the owner has the responsibility of management (as a board member, partner with unlimited liability or majority shareholder), according to court the insurance he is not entitled to unemployment protection for their benefits. The entrepreneur has no entitlement to reduced working hours, bad weather and in case of insolvency of the employer, but is required to pay these contributions (1%) for its staff. The compensation in the event of insolvency of the employer covers the payment of salaries of employees in the event that the employer is unable to meet its payment obligations. The amounts of reduced working hours and bad weather cover 80% of the loss of income and are limited in time.
For the self-employed Accident and Sickness Insurance are voluntary according to the LAA, and for employees is mandatory. This also applies to family members who work in the entrepreneur, provided they receive a salary cash and / or superannuation contributions AVS. The insurance can be taken at the Suva or in a collective insurance against accidents. In many areas the self-employed may apply to Suva for the conclusion of accident insurance voluntarily. For other industries, insurers and insurance products offer adequate health insurance. Private insurance companies also offer additional insurance against accidents.
The benefits and conditions can vary significantly and is therefore advisable to examine them carefully. The accident insurance pays the medical expenses, pay per diem allowances for temporary loss of earnings and pensions in the event of disability caused by accidents and provide assistance to survivors after the death of the insured.
Non-occupational accident insurance
This type of insurance covers the financial consequences resulting from injuries that occurred during leisure time. If active at least 8 hours a week for the same employer, all employees in Switzerland are mandatorily insured against accidents occurring during leisure time, en route to their jobs included. The employer has the right to request awards for non-occupational accident insurance to the employee. For employees working less than 8 hours per week non-occupational accidents are not insured (except for those employees with the accident on the way up to the job are insured by the insurance against occupational accidents). However, to actually enjoy this protection insurance, these people must include the risk of injury in their own health insurance.
And they’re betting you forget to cancel.
payment protection insurance plans dropped, losing your payments for you if you are in the hospital, your job or suffering financial problems. That sounds like a good thing to have in place. But it is not.
There are many different types of credit insurance. Includes:
Credit Disability – Pays your monthly minimum, if you are disabled.
credit unemployment – pay your monthly minimum, if they are fired or laid off.
Credit ownership – pays for an agreement with the card if you bought broken, lost or stolen. (Some cards offer this at no additional cost.)
Credit life – pay to pass.
Most people do not need a credit card insurance. The main reason is that it costs money. Thus, the plan will cost 75 cents per 100 € balance. If your balance is $ 3,000, you pay $ 22 per month for your protection plan. The annual premium is $ 264, equivalent to an APR of 9% increase on the map. It is better to make money in your savings account each month and a bit of interest.
You have the small print on the protection of the top view. Most companies will not leave you with a credit card and insurance, the minimum payment for you. If you are in a financial emergency, you should use your credit card.
In most cases you really have to work to prove your claim. If you get fired, you need the document, unemployment is involuntary. And if you have a contract with his employer had not been extended easily, you’re lucky. If you are in the hospital, you must show that his illness is not a pre-existing condition.
If you pass, your home will have to use your credit card. If the property can not cover the bills, invoices, the company will be charged. If you have a joint account, that the end of it. The company can not pursue his family debt. There is no need for a credit life insurance. It can be argued that a large amount of energy from a joint account. Note that the amount you pay each month, how much do I configure. Use the money for a little insurance, which can be used for all your needs for publication.
Before all purchases on your credit card agreement, make sure you know exactly what you buy. Yes, may sound good, but if you pick, you just lose your money. Take time to read the fine print.
