All you need to know about UVG accident insurance for domestic staff
Find answers to client questions about insuring your cleaner or gardener.
Who is the insurance for domestic staff intended for?
Insured persons: Employees (e.g. cleaners, home helps, babysitters, gardeners) in private households. Domestic staff who are provided through a company (e.g. a cleaning company) have to be insured by that company.
When does insurance coverage commence?
Insurance coverage is guaranteed from the moment your staff begin the commute to work until they arrive home again directly from work.
Can I take advantage of the simplified procedure for transferring contributions?
Your employee must live in Switzerland, have a work permit, and be between 17 years of age and retirement age. (Employees who are under the age of 17 or who have reached AHV retirement age must be insured under the compulsory accident insurance.)
The salary per employee and year may not exceed CHF 21,150 and the total payroll for all your employees may not exceed CHF 56 400. If you opt for the simplified procedure, you must account for the salaries of all employees correspondingly.
How does the simplified procedure work?
1. Read the simplified procedure for transferring AHV contributions for employers.
2. Complete the application form for the simplified procedure.
3. Send the form to your AHV compensation fund.
4. Deduct the correct amounts from your employees' salaries every month.
5. Transfer the contributions to the AHV compensation fund once a year.
The AXA story – a case study
Spring cleaning. Sara R. assigns it to her home help. Heidi whirls through the apartment cleaning windows and floors while simultaneously descaling the taps. In her haste she fails to notice the rolled up carpet and stumbles. When she tries to stand up, she crumples to the floor again in pain. Her ankle swells and changes color. Heidi crawls to the telephone. She is taken to the emergency room where she is diagnosed with a splintered fracture. Hospital expenses and loss of time on the job are looming as a financial problem. But Heidi can relax. Sara R. has provided for just such an event by taking out accident insurance coverage for her. AXA assumes all costs and wishes Heidi a speedy recovery.
Insurance profile for Sara R.: Accident insurance for domestic staff from AXA