Insurance
Question
We are a small sports club with a limited budget. Do we have to take out accident insurance for our coaches?
Answer
From 1 July 2024, the following will apply in Switzerland: clubs will no longer have to take out accident insurance for athletes or coaches if their annual income is less than two thirds of the minimum amount of the full annual AHV retirement pension. This corresponds to a gross salary of CHF 9,800 in 2024. Any accident is then covered by the non-occupational accident insurance of the main employer or by accident cover with the health insurance company.
However, this exemption only applies if no person in the aforementioned functions earns a higher income. As soon as the amount of CHF 9,800 is exceeded by one person, all persons who work in the designated activities must be insured. Nothing will change for all other employees (service staff, cleaning staff, etc.). In any case, they are subject to compulsory insurance in accordance with the Federal Law on Accident Insurance (UVG). This means that these employees must be insured against accidents if they earn more than CHF 2,300 per year.
