The most inexpensive
accident insurance
for your domestic help
quitt – your expert for the legal employment of domestic staff.
Insure your babysitter or domestic employee against accidents for the lowest price here.
- All employees must be compulsorily insured against accidents by the employer.
- We obtain this insurance from Basler Versicherungen on your behalf.
- The BU insurance premium is 0.5% of the gross salary, but at least CHF 8.35 per month.
- If you do not employ any staff for some time, no premiums will be charged.
More safety, with the quitt.insurances
As part of your registration for the quitt.service, you can add the desired complementary insurance.
Im Gegensatz zur Unfallversicherung ist der Abschluss einer Krankentaggeld-Versicherung freiwillig. Allerdings sind Sie als Arbeitgeber bei Krankheit Ihres Arbeitnehmers gesetzlich zu Lohnfortzahlungen verpflichtet.
Empfohlen!
In der Regel sind Schäden in Ihrem Haushalt, die im Rahmen einer Arbeitstätigkeit entstehen, von der Privathaftpflichtversicherung des Arbeitnehmers ausgeschlossen. Die Hausratkasko schliesst diese Versicherungslücke.
In der Regel sind Rechtsstreitigkeiten, von denen Sie als privater Arbeitgeber betroffen sind, nicht von der Privatrechtsschutz-Versicherung gedeckt. Unser Arbeitgeber-Rechtsschutz deckt diese Lücke und schützt Sie umfassend bei arbeitsrechtlichen Streitigkeiten mit Ihren Angestellten.
Do you have any more questions?
Your insurance is legally binding as soon as we have received your payment. You pay the basic fee of CHF 45.00 when you conclude the contract by topping up your receipt account. At the end of the year, you declare the gross salary actually incurred, and the remaining premium is debited from your receipt account.
- Medical expenses (medical treatment, hospital general ward)
- Continued pay/daily allowance (maximum 80% of insured earnings from the 3rd day after the day of the accident)
- Disability pension (maximum 80% of insured earnings)
- Survivor’s pension (maximum 70% if several survivors together)
We recommend that you sign an employment contract with your employee and provide you with a template for this when you take out our accident insurance. Nevertheless, you still have to take care of the correct registration and settlement of the social insurances with your cantonal compensation office yourself afterwards. If you do not want to have anything to do with these administrative duties either, you can leave it to quitt.ch.
If there is no daily sickness benefit insurance, the employer must, according to the law, pay the employee the full salary in the event of illness for a certain period per year of service, provided the employment relationship has already lasted more than three months or was entered into for more than three months. In the first year of service, the period of continued payment of wages shall be at least three weeks. The continued payment of wages shall be 100 per cent from the first day of illness. From the second year of service onwards, the duration is based on the salary continuation scale.
Yes, you can. Here, too, you benefit from our partnership with Basler Versicherung and attractive employer and employee contributions of only 0.75% on the gross wage. In the event of a prolonged illness of your employee, the insurance will then cover the salary payment after 30 days. Your employee receives 80% of the insured salary from the insurance for up to two years.
From 8 hours of work per week, you must take out not only occupational accident insurance but also non-occupational accident insurance for your domestic helpers. You can also do this at quitt.ch at unbeatable conditions.
quitt recommends a gross wage of between CHF 25 and CHF 31 per hour. There is no generally applicable minimum wage in Switzerland. Only for jobs with an average of five hours or more per week with the same employer do the following gross minimum hourly wages apply according to the standard employment contract for employees in the home economics sector (NAV Hauswirtschaft):
- Unskilled employees without work experience: CHF 18.90
- Skilled domestic workers with a three-year basic vocational training and a Federal Certificate of Proficiency (EFZ): CHF 22.85
- Skilled domestic workers with a two-year vocational training and a vocational certificate (EBA): CHF 20.75
quitt recommends adhering to these minimum wages – regardless of the number of hours worked per week.