Insurance for domestic staff

Workplace and non-workplace accidents

Do you employ a house help, gardener or babysitter? Under the law, you are his/her employer and are required to insure your employees against accidents. Find out about our insurance for domestic staff, protect your employees and comply with the law.

PRINCIPLES
  • The insurance covers domestic workers
    • against workplace accidents, if they work for you less than eight hours a week and their annual salary does not exceed CHF 10,000.
    • against non-workplace accidents, if they work for you more than eight hours.
  • If your domestic worker has several employers, you are required to insure him/her against workplace accidents that occur while working for you.
MAIN BENEFITS

Daily allowance

  • Level
  • 80% coverage from the 3rd day after the accident

Benefits in the event of disability or death

  • Disability/death
  • Payment of disability or survivors' pensions
  • Loss of integrity and disability
  • Indemnity for loss of integrity and disability allowance

Treatment expenses

  • Outpatient treatment
  • Outpatient treatment by a doctor or dentist, or on prescription of the latter

    Medication, tests
  • Hospitalisation
  • Treatment in hospital, room and board in a general ward
  • Transport, travel and rescue costs
  • To the extent that such transport is necessary
  • Medical aids and appliances
  • Medical aids and appliances to compensate for bodily injury or loss of function

Prime

  • Annual premium
  • from CHF 100
  • Legality: you fulfil your legal obligations in terms of accident insurance for your employees.
  • Security: you protect your domestic staff and yourself against the financial consequences of accidents.
  • Savings: the accident insurance premium for household staff is CHF 100 per year.

Your most frequently asked questions

The daily allowance corresponds to 80% of loss of income, payable from the 3rd day following the accident. It takes into account 13th-month pay and any family allowances. The annual income obtained is divided by 365 days and the benefit is calculated on an 80% basis.

See all FAQs
Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111