Mandatory Insurance in Switzerland: Which Ones?

Health Insurance (HIA/LAMal)

Art. 3 para. 1 HIA: every person domiciled in Switzerland must obtain basic health insurance within three months. Covers defined catalogue of treatments, hospitalisations, maternity care. Annual premium varies by insurer, canton, age and model. Minimum deductible: CHF 300; maximum: CHF 2,500. 10% co-payment capped at CHF 700/year.

AVS/DI (1st Pillar)

Mandatory for all residents and workers (art. 1a OASI Act). Contributions: 10.6% of salary (half employer, half employee).

Occupational Pension (2nd Pillar, LPP)

Mandatory for employees earning above CHF 22,050/year. Contributions shared (employer at least half). Self-employed: voluntary.

Accident Insurance (AIA/LAA)

All employees in Switzerland mandatorily insured against occupational and non-occupational accidents (art. 1a AIA). Part-time workers (under 8 hours/week per employer): occupational only. Occupational premiums: employer pays. Non-occupational: employee pays (unless otherwise agreed).

Unemployment Insurance (UICA/LACI)

Mandatory for all employees. 2.2% of salary (half each) up to CHF 148,200. 1% solidarity contribution above that.

Motor Vehicle Liability (SVG)

Art. 63 SVG: every motor vehicle holder must have liability insurance. Lack of insurance is punishable and prevents registration.

Cantonal Insurance

Some cantons require: building fire insurance (most cantons), private liability (some cantons, e.g. Geneva), earthquake insurance (integrated into building insurance in some cantons).