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.




