Cleaning, babysitting, gardening... anyone who employs domestic workers must insure them against accidents. With our accident insurance for domestic workers, you fulfil your legal obligation.
Accident insurance for domestic workers. Cover for helping hands.
THIS IS INCLUDED
UVG accident insurance
A misstep on the ladder. The clippers slip out of your hands while you are trimming the hedge. Accidents happen faster than you would think. For that reason, Swiss law stipulates that domestic workers must be insured against occupational accidents, including on their way to work.
Our accident insurance covers all statutory benefits:
- Medical expenses: medical treatment, hospital stays (general ward), medicines
- Daily benefits: 80 % of the insured salary from day 3
- Disability pension: up to 80 %, depending on degree of disability
- Survivors’ pensions: for spouses and children
- Impairment allowance: one-off payment in the event of permanent impairment
- Care allowance: in the event of limited independence
- Transport and rescue: necessary operations included
Good to know:
Do your domestic workers work more than 8 hours a week? In this case, insurance against accidents in their leisure time, known as “non-occupational accidents”, is also required. Your advisor will be happy to help you with this in person.
Your benefits
- Cover for all parties involved
You fulfil your legal obligations and protect yourself against the financial consequences of an accident. - One solution for all employees
All your domestic workers can be insured with a single policy. A requirement for this is that each individual person works a maximum of 8 hours per week on average and the total salary is less than CHF 10,000. - Clear price
The premium is CHF 100 per year, regardless of how many domestic workers you employ.
Frequently asked questions and answers
The insurance covers people who work in a private household for a salary/wages, such as:
- Home help: people caring for the elderly and dog sitters
- Cleaners in private households
- Childcare in private households: babysitters, nannies and au pairs
- Home care: neighbourly assistance in return for payment
- Garden design, landscape gardening
Activities in apartment buildings outside the apartments and in commercial properties (e.g. caretaking work) are not included.
The premium is CHF 100 per year. If a person works more than eight hours per week, non-occupational accident insurance is also required. This usually costs between 1 % and 3 % of their gross salary.
Non-occupational accidents are defined as accidents that happen outside of work – e.g. during leisure time, on holiday or on the way home. Your advisor will be happy to help you in person if you would like to take out cover for non-occupational accidents.
No. If the person is employed by an external company, this is considered to be the employer and must take care of the insurance itself.
Salary/wages include monetary benefits (cash or electronic) and benefits in kind, such as food and lodging. Holiday allowances are also included.
Please report accidents as soon as possible:
- online via our SUNET reporting tool (tool operating in German)
- or by e-mail to schadenservice@allianz.ch
Simply use our online form on this page.
Our accident insurance for domestic workers
Take out policy online
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