Continued payment of wages for cross-border commuters to Switzerland / Liechtenstein
Daily sickness benefits insurance (KTG) for cross-border commuters Switzerland / Liechtenstein
Daily sickness benefit Switzerland / Liechtenstein (KTG): Continued payment of salary for cross-border commuters
In Switzerland and Liechtenstein, in contrast to Austria and Germany, there is no statutory obligation to continue to pay wages in the event of illness. Unless you agree otherwise, there is no obligation to continue to pay wages in Switzerland and Liechtenstein during the first 3 months of employment.
Legal “minimum regulation
According to the statutory regulations, the obligation to continue to pay wages exists for three weeks in the first year of service from the 4th month of employment, at least 4 weeks in the second year of employment and 9 weeks in the third year, after which there are further extensions up to a maximum of 31 weeks after 25 years of service.
A good agreement in the employment contract is very important
The employment contract must stipulate for how long wages will continue to be paid in the event of illness. continues to be paid becomes. Daily sickness benefits insurance (KTG) should be in place to cover the period after the employer’s obligation to continue paying wages ends. You are welcome to discuss KTG insurance solutions in detail with one of our independent insurance specialists.
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Employers offer daily sickness allowance insurance (KTG)
Many employers have voluntarily taken out collective daily sickness benefits insurance (KTG) for their employees. This guarantees cover over and above the statutory minimum in the event of illness or accident. Normally, 80% of the salary is agreed for 730 days.
You should definitely clarify with your employer or check in your employment contract whether such a provision exists. If not, you will need to take out private daily allowance insurance yourself. We will be happy to help you with this.
Who pays the premiums for daily sickness allowance insurance (KTG)
Contributions to daily sickness allowance insurance can be paid by the employer. In most cases, however, the employee must pay the contributions. Sometimes the contributions are also shared between employer and employee. The contributions are deducted directly from the salary. If the employer pays all the contributions to the If you carry daily sickness allowance insurance, parts of it are taxable income.
What happens when the employment relationship ends
Employees who are members of a company daily allowance insurance scheme in accordance with the Health Insurance Act (KVG) also lose their daily allowance entitlement when they leave the company. His insurance cover only remains if he voluntarily joins the individual insurance. This also applies in the event of pregnancy.
The situation is different if the employee is insured collectively by his employer in accordance with the Insurance Contract Act (VVG). In the event of termination during an illness, the daily allowance entitlement remains in place even after the end of the employment relationship, up to the agreed benefit period.
Health insurance – 3 options for cross-border commuters
> Statutory health insurance in Austria with ÖGK
> Health insurance under the KVG in Switzerland or Liechtenstein
> Private health insurance in Austria (cross-border commuter insurance)
A reduction in the daily sickness allowance is possible for certain types of sport
The following sports are an exemplary list of sports that insurance companies in Switzerland and Liechtenstein consider to be risks, so that daily sickness benefits may be reduced.
Car racing, extreme karate, boxing or martial arts competitions, motorboat and motorcycle racing, downhill mountain bike racing, speed skiing, diving deeper than 40 meters, riverboogie (white water rafting on a floating bob), snowrafting (inflatable rafting on ski slopes), hang gliding, canoeing and kayaking, canyoning, deep-sea sailing, mountaineering.
