Social security in Switzerland

Social security is in Switzerland, the most important institution of social security. They are predominantly a compulsory insurance, for the residents so there is often a compulsory insurance. The social insurance includes, inter alia, old-age and survivors' insurance, unemployment insurance ( ALV), the Occupational Pension Plans (BVG ), family allowances, health insurance (HI ), Military Insurance ( MV), maternity insurance ( MV) (since 2005 integrated into the EO) and accident insurance (UV ).

Constitutional Basis

The basics of social security are contained in article 111 to 114 and Articles 116 and 117 of the Swiss Federal Constitution.

In Article 111, the so-called set the " three pillars " principle that the construction of old-age, survivors' and disability insurance regulates. In Article 112 is the basis for the old-age, survivors' and disability insurance, in Article 113 of that of the occupational pension. Article 114 regulates the basis of the unemployment insurance provisions for the family allowances and maternity insurance be placed in Article 116. In Article 117 of the Health and accident insurance is regulated constitutionally finally.

The old-age and survivors' insurance ( AHV), together with the Disability Insurance (DI ) and the supplementary benefits first - state - pillar of the Swiss three-pillar system and serves the reasonable assurance of basic needs.

Financing

Social Security is financed mostly through payroll deductions. The employer deducts the social security contributions from your salary. The contributions are based on income. They are " equal ", worn so each half of employers and employees. The only exception is the health insurance, where premiums are not income- head paid. In addition, also public contributions, the AHV / IV be funded at 5% of the tax on tobacco, for example.

Individual species of social

Old Age and Survivors ' Insurance

The old-age and survivors' insurance ( AHV) covers living costs when they no longer receive earned income as a result of old age or death of the provider or their provider. With the retirement pensions AHV helps to enable the insured at the age of withdrawal from working life and to ensure a materially secure retirement. The benefits arising from the contributions and the contribution period.

Employed persons in Switzerland who are not younger than 18 years, contributions must (currently 4.2% for employees, max. 7.8% for self-employed ) must pay on their income to social security.

Unemployment

All who are unemployed or can not work due to bad weather and also for those whose employer is insolvent, are entitled to unemployment insurance benefits ( UI ).

All in the OASI contributory employees ends and their employers must make contributions (currently 1.1% each ) to the ALV.

Occupational pension plans

The Occupational Pension Plans (BV) is, together with the AHV and IV to allow habitual of living in a pleasant manner. All employed persons are insured.

Currently, the following contribution rates apply:

  • 25 to 34 year olds, there are 7 % deduction from income
  • 35 to 44 year olds is 10 % deduction from income
  • 45 to 54 year olds is 15 % deduction from income
  • 55 to 65 year olds, 18% deduction from income

Supplementary benefits to OASI and DI

Supplementary benefits (EL ) are used for subsistence when OASI and DI pensions are not sufficient.

Income replacement in military, civilian service and maternity

All working people in Switzerland who live in Switzerland or abroad, are entitled to compensation for loss of earnings ( EO).

Employed persons in Switzerland from 18 years to contributions from their wages (currently 0.15 %) payable to the EO.

Disability Insurance

The Disability Insurance (DI ) is obligatory according to the AHV. Anyone who lives in Switzerland or is gainfully employed is, IV insured. You have to register at the IV site of the place of residence in order to receive from the IV services. Then clarify what services are entitled to the insured.

Contributions from your salary (currently 0.7 %) in the IV must all economically active persons in Switzerland who are not younger than 18 years to pay.

Health insurance

The health insurance available to all persons living in Switzerland comprehensive medical care and provides medical treatment safely. All persons residing in Switzerland must conclude by law to have health insurance.

For problems with the insurance company grants the Ombudstelle social health insurance counseling and mediation.

Accident insurance

Insured persons are entitled to services at: occupational accidents, non-occupational accidents and occupational diseases. All in Switzerland persons employed are insured mandatory. Professional sectors with higher risks are by the Swiss Accident Insurance Fund ( Suva ) insurance ( UVG cf. Article 66 ). Other industries have private insurers insure the mandatory benefits.

Detailed information can be found here: accident insurance

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