You are creating your own business but you are not sure which insurances you should subscribe for your employees? Here is a list of mandatory and facultative insurances that are recommended.
First of all, the Swiss mandatory here are the Swiss mandatory insurances that are managed by the Swiss compensation funds :
- Old age and Survivors insurance (OASI)
- Loss of Earnings insurance
- Assurance Perte de gain (APG)
- Unemployment insurance
In addition to those State regulated insurances, some of the Swiss Cantons require more insurances, for example Geneva with the Maternity insurance
Les employeurs doivent également souscrire aux assurances obligatoires suivantes auprès d’un assureur privé :
- Pension Fund
- Accident insurance
It is also highly recommended to subscribe Faculative insurances in order to prevent financial risks linked to absences due to health reasons.
- Sickness loss of earnings insurance
- Assurance-Maladie Perte de Gain
If you require more details on contribution rates or insurance conditions, we at Rhinnos are available for any advice. We can also refer you to a trustable insurance broker.
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