Coronavirus - what is insured?

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Coronavirus – We're here to help.

In these challenging times, we want to continue to provide you with professional, reliable and personal support as best as we can.

Please get in touch with your contact person should you have any questions. Our agents are open once again with improved hygiene measures. 

Corporate customers who are experiencing a liquidity shortage can still apply to defer payment. Please also refer to your contact person for this.

Click here to find out more about what Zurich and the Vita Joint Foundations are doing to assist customers experiencing payment issues in their occupational pension plans.

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Personal insurance - Information concerning the declaration form

The basis for the salary declaration is generally the part of the salary subject to OASI contributions. If the insured employee is paid no salary or a reduced salary due to short-time work, it is necessary to take account of what the employee would have earned had short-time work not been implemented. This means that the full contractually agreed salary has to be declared in all cases.

Effect on the salary declaration for Accident and Health

Short-time work
We draw compensation for short-time work for our employees.

General 
Companies that draw compensation for short-time work (80% of the salary) from the unemployment insurance (ALV) must pay the full statutory social security contributions (for 100% of the salary) as before.

The basis for calculating the contributions to the mandatory accident insurance (UVG), supplementary accident insurance (UVG-Z) and income replacement insurance due to illness is the contractually agreed salary (for 100% of the salary).

Reduction of accrued overtime 
Under the COVID-19 regulations on unemployment insurance (ALV), employees will no longer have to reduce their accrued overtime before they can benefit from compensation for short-time work. This will apply until 30 September 2021. As before, the statutory social security contributions will be paid in full, i.e. for 100% of the salary or hours worked.

Maternity
During short-time work, compensation for loss of earnings due to illness, accident or maternity shall be paid by the relevant social or private insurance sectors or must be paid by the employer and may not be settled via short-time work. Birth benefits from the income replacement insurance due to illness are exempt from the OASI obligation and do not count towards the salary subject to premiums. Maternity benefits under the Income Replacement Law (EOG) are part of the salary subject to OASI contributions (AHV), but are exempt from the obligation to pay premiums. Consequently, within the scope of the insurance benefits, no contributions have to be paid for these employees' mandatory accident insurance (UVG), supplementary accident insurance (UVG-Z) and income replacement insurance due to illness (KTG).

Persons in a position similar to an employer
I as the owner of a GmbH or AG in a position similar to an employer receive state Corona-specific compensation.

People in a position similar to that of an employer (e.g. owners of a GmbH or AG) who are subject to the mandatory accident insurance (UVG) are entitled to the state Corona-specific compensation for loss of income according to the Income Replacement Law (EOG) in the event of a state-imposed closure of the business, a ban on events or a significant loss of sales.

However, for the mandatory accident insurance (UVG), this compensation does not have to be declared as income on which premium is payable. Therefore it can be deducted from the AHV relevant salary for the salary declaration. This also applies to the supplementary accident insurance (UVG-Z) as well as the income replacement insurance due to illness (KTG).

Persons mentioned by name
I am co-insured with a preset income (e.g. as a company owner or shareholder). However, due to the “shutdown” I have earned little or nothing.

A retroactive downward adjustment of the preset income is not possible, as Zurich has already covered the insured risk, i.e. in the event of illness the daily allowance would have been paid in the amount of the contractually agreed income.

If your income situation does not change, we recommend that you adjust the preset salary.

Employees have fallen ill with COVID-19
Employees of our company have fallen ill with COVID-19.

  1. Within the waiting period
    For illnesses or accidents that lead to absences within the contractually agreed waiting period, the employer is obliged to continue to pay the employee their contractually agreed salary in accordance with Art. 324a Swiss Code of Obligations (CO). Consequently, this forms the basis for the contributions to the mandatory accident insurance (UVG), supplementary accident insurance (UVG-Z) and income replacement insurance due to illness (KTG). 
  2. After expiry of the waiting period 
    Daily sickness benefits paid by Zurich after the contractually agreed waiting period has expired are exempt from the OASI obligation and are therefore not included in the salary subject to premiums. Consequently, no contributions have to be paid for these employees' mandatory accident insurance (UVG), supplementary accident insurance (UVG-Z) and income replacement insurance due to illness (KTG).

Employees in quarantine
Employees of our company are or were in quarantine and cannot/could no longer perform their work (working from home excluded), which led to a loss of salary.

Medically ordered
Anyone who has to go into quarantine by order of a doctor or an authority is entitled to the state Corona-specific compensation for loss of income according to the Income Replacement Law (EOG) - if they are unable to work from home. This Corona compensation is part of the AHV relevant salary (income on which AHV contribution is based). However, for the mandatory accident insurance (UVG), this compensation does not have to be declared as income on which premium is payable. Therefore it can be deducted from the AHV relevant salary for the salary declaration. This also applies to the supplementary accident insurance (UVG-Z) as well as the income replacement insurance due to illness (KTG).

Due to a trip to a high-risk area
Anyone who traveled to a high-risk area and had to go into quarantine after returning to Switzerland is generally not entitled to corona-specific compensation for loss of income according to the Income Replacement Law (EOG). Consequently, only the reduced salary must be taken into account for the contributions to the mandatory accident insurance (UVG), supplementary accident insurance (UVG-Z) and income replacement insurance due to illness (KTG) However, you are entitled to a compensation if you have to go into quarantine through no fault of your own; that is, if your destination was not on the list of high-risk areas and you could not have known from an official announcement that the destination will be placed on this list during the trip. The Federal Office of Public Health (BAG) maintains this list, which is regularly adjusted.

Due to childcare
If the planned childcare solution is not available due of the coronavirus, the parents are entitled to compensation. This Corona compensation is part of the AHV relevant salary (income on which AHV contribution is based). However, for the mandatory accident insurance (UVG), this compensation does not have to be declared as income on which premium is payable. Therefore it can be deducted from the AHV relevant salary for the salary declaration. This also applies to the supplementary accident insurance (UVG-Z) as well as the income replacement insurance due to illness (KTG).

Voluntary quarantine
Anyone who goes into quarantine voluntarily, without being ordered to do so by an authority or doctor will not receive state corona-specific compensation for loss of income. Consequently, only the reduced salary must be taken into account for the contributions to the compulsory accident insurance (UVG), supplementary accident insurance (UVG-Z) income replacement insurance due to illness (KTG).

Position not taken up due to travel restrictions
New employees (from abroad) should have taken up employment in our company (in CH) during the COVID-19 pandemic. This was not possible due to travel restrictions.

If compensation for short-time work was registered for these employees, the statutory social security contributions must be paid in full (for 100% of the salary). The basis for calculating the contributions for the compulsory accident insurance (LAI), supplementary accident insurance (LAI-S) and insurance for daily sickness benefits (DSB) is the contractually agreed salary (for 100% of the salary). However, if these employees were not entitled to compensation for short-time work or to their contractually agreed salary, nothing needs to be stated in the salary declaration.

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The Corona chatbot

“My co-worker has come down with Corona – what now?” The chatbot provides quick answers to Corona-related questions. You can still call us, however, if you require more detailed information.

Daily Sickness Benefits

As a company, am I insured if several employees cannot work because of the coronavirus?

Companies that hold a daily sickness benefit insurance policy whose employees fall ill with the coronavirus are entitled to benefit under their insurance contract, as with other diseases. Benefits are not payable under a daily sickness benefit policy for healthy employees who do not work on site due to the coronavirus, pursuant to an official order, for example.

Accident insurance

What benefits can I claim if my employees become infected with the coronavirus as a result of their work in a hospital, laboratory or research institute?

In such cases, we will consult the Swiss Federal Law on Accident Insurance (LAI) to check whether this can be considered an occupational illness.

Property Insurance

Am I insured, if I have to close my business because of an official order?

The consequences of a pandemic cannot generally be included in property insurance because pandemics do not count as calculable risks.

Where Zurich has not explicitly excluded the pandemic risk in relation to business closures in older property insurance products, coronavirus-related loss of earnings are covered in some circumstances in the context of applicable conditions. Each claim must be examined on an individual basis.

Occupational retirement provision

Employees of mine have contracted the coronavirus. How are they insured within the framework of the BVG occupational retirement provision?

The occupational retirement provision also provides insurance coverage in the event of pandemics. This means that your employees are insured for disability or death due to coronavirus. This applies both to the Vita Joint Foundations and to all types of reinsurance for pension funds.

Event of a loss

In the event of a loss, the easiest way to contact us is online or directly:

In emergencies, you can also call us on 0800 80 80 80.

Hamsterli

Generate income with Hamsterli

Is your SME impacted by the Corona crisis? The website hamsterli.ch allows you to open a shop to sell coupons at no cost. The service is a joint venture between Sunrise, Bank Cler and Zurich.

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Valuable tips from the Zurich experts

Many people are finding the forced withdrawal into their own four walls to be a strain. That's why the experts from Zurich Care Management are currently on hand to provide support via video conference, telephone or e-mail.