All employees in Switzerland must be compulsorily insured by their employer against occupational accidents (BU), including the direct route to work. From at least 8 working hours per week, insurance against non-occupational accidents (NBU) is also mandatory. In the case of contracts with irregular work assignments, it must be stated when the contract is drawn up whether more or less than 8 hours per week are worked on average. The contributions for the BU insurance are paid by the employer, while the contributions for the NBU insurance are deducted from the employee's wages.
Quitt takes out the mandatory insurance policies for BU and NBU for all your employees on your behalf with Baloise Insurance. From the third day after an accident, the accident insurance pays continued salary with daily benefits amounting to 80% of the usual gross salary. If a claim occurs, quitt takes over the reporting of the claim, communicates with the insurance partner and takes care of the payment of possible daily allowances. You and your employees are obliged to report accidents immediately.
The insurance premium for BU currently amounts to 0.5% of the settled gross salary, but at least 8.35 CHF per month and for NBU 1.6% of the settled gross salary, but at least 8.35 CHF per month. These premiums are automatically charged by quitt as part of the monthly payroll.