Insurance coverage during unpaid leave

During unpaid leave, the employee does not work for a period agreed with the employer and also does not receive any wages during this period. To enjoy the time off, it is important to be aware of the various insurance-related risks and to have made provisions.

Accident Insurance

The coverage of the accident insurance ends 30 days after the start of the unpaid leave. If the unpaid leave lasts less than 30 days, nothing needs to be done in this regard. For an absence between 31 and 180 days, a so-called 'continuation insurance' can be taken out, thus extending the insurance coverage up to a maximum of 180 days. After the 180 days, accident coverage must be added to the health insurance.

Pension Fund

Whether continued insurance in the pension fund is possible varies from fund to fund and is stipulated in its regulations. If continued insurance is possible, both the employee and employer contributions must be paid by the employee.

Sick Pay Insurance

During unpaid leave, there is no entitlement to continued wage payments or sick pay. Depending on the insurance provider, the insurance coverage can also be maintained during an unpaid leave. This matter can be clarified with the employer.

Social Security

If no wages are paid, no contributions are made to AHV, IV, and ALV. The minimal contribution per year currently stands at CHF 503. If the minimal contribution is reached through employer and employee contributions, no action is required. Otherwise, a payment must be made to avoid a gap in contributions.