Is there a right to a sabbatical?
In the event of an accident: Insurance by special agreement or health insurance
All companies have accident insurance for their employees in accordance with LAI. Accordingly, you are insured against accidents with your employer. Unless the respective employment contract provides otherwise, insurance coverage generally ends on the 31st day after the date on which entitlement to at least half the salary ceases. This means that you are no longer automatically insured against accidents in the event of unpaid leave of more than one month.
If you choose to take out insurance by special agreement, you can extend the non-occupational accident insurance coverage by a total of six months, thereby enabling you to enjoy full insurance benefits pursuant to the provisions of the Swiss Federal Law on Accident Insurance (LAI). Your employer can inform you about the process of concluding an insurance by special agreement. If insurance by special agreement is not an option, the treatment costs must be covered by an accident insurance from your private health insurance company.
Payments into the pension fund during unpaid leave
Compulsory insurance during your unpaid leave
Pension fund – your options
Discuss the insurance with your pension fund. The following alternatives are usually available:
Alternative 1: All benefits
a) All benefits (old age, death, disability) remain unchanged while the previous contribution-based financing (split into employer and employee contributions) is retained.
b) The insurance (old age, death, disability) will continue unchanged: The insured person bears all costs.
Alternative 2 Continuation of risk insurance:
Disability and death benefits will continue unchanged. The savings process will be suspended for the duration of the leave.
a) The contribution-based financing (split into employer and employee contributions) remains unchanged.
b) All contributions are financed by the insured person.
Alternative 3: You waive the insurance coverage.
In this case, the employer will send the pension fund a notice that you are going on leave. You will only remain insured against disability and are entitled to death benefits for one month after the leave has begun. When you resume work, the employer will register you again.
Tip: Subject to the employer's approval, choose at least alternative 2.