My employer says I need to take out accident insurance , though I already have it with my own insurance. They say it,s the law and it will be deducted from my wage is this right, I work in their home.

Sounds like someone's got confused somewhere. I am no expert, but as I understand it, as an employee it's a legal requirement for your insurer to provide you with accident insurance, and as the employee it's a legal requirement for you to have health insurance (which doesn't need to cover accidents). Search through the forums - I'm sure it's been covered here many times in more detail.

Clearly English isn't your first language; I presume you mean that you work in their building, which isn't really relevant.

I don't understand. They are not accepting the accident insurance you have and want you to use their insurance? If that is the case, then all you have to do is cancel the one you have.

ETA: Ah, I think she means she is a domestic worker. The employer much have insurance if she is to have an accident in their home. THEY have to pay for this, not the employee. This is different from accident insurance which the OP can keep the one she has.

No I work in their home, but why is it deducted from my wage should it not be there responsibilty to pay it.

No, it gets deducted (but I think they pay part).

It's different from the accident insurance that you can get from your health insurance provider as it also covers lost wages.

Tom

No your employer is right - He takes out accident insurance (UVG) for you specifically. This insurance is split between Occupational and Non-occupational.

He pays the occupational part in full and the non-occupational is split 50% him and 50% you. He will make the deduction for you every month normally.

As an example for you my UVG bill in total for the year for our nanny is CHF 979. Of this, 260 is Occupational and 719 is Non-occupational.

So my nanny pays 50% of 719 every year (359). I divide by 12 (30) and take it out for her every month.

Hope that makes sense. The insurance variations in this country take some getting used to...

We employ a cleaner at our house and it was compulsory for us to take out Accident Insurance for her. The policy covers anyone who works in our house (cleaner, gardener, baby-sitter) provided they don't work more than eight hours a week for us, or earn more than CHF15'000 per year from us.

However, the employer is obliged to pay the premium of CHF 100 per insurance year. The premium may not be charged to the employee. (Source: Axa)

Does this help?

(Edited to add: from the information provided by others here, it looks like the answer may vary depending on the nature of your employment -- are you working full-time or part-time?)

Sorry - Just to add to my above thread - There are thresholds for number of hours the employee works, age of the employee etc which determine the level of insurance the employer needs.

In my example, our nanny is full time so the insurance is quite high - A part time worker would pay less...

This is exactly what we had for our cleaner (or anyone who works in our house a few hours a week/month) and what I was referring to above. But it seems the OP is talking about more full time/regular work.

Important info in both cases though.

Thanks for all your replys they were very helpful. I work full time. Wil be having disscusons with my employer so see what they have to say bearing in mind the info I,ve got of here.

To my knowledge (and i am professional in the matter) the only point that counts is : does the worker work more than 8 hours a week.

If yes, then the employer has to pay the accident insurance and for the employee, their is no need to pay for it.

If not, then the employee has to pay for it.

"Village Idiot" is exactly on the point.

PS knowing that if a situation comes to change, that the insurances are not adjusted and an accident takes place, then the insurance will cover for the accident and ask the customer to pay for the months he should have been covered.
EX : 1 year ago, one person looses here job. Hence looses here accident insurance but does not adjust here insurance. today this person has an accident. The health insurance will still pay, yet they will ask him to pay for 1 year of accident.

You're a professional in that matter but unaware of the distinction between "occupational" and "non-occupational" accident insurance

The employer has to pay the "occupational" accident insurance for anyone working more than 8 hours. The employer also has to contract "non-occupational" accident insurance for the employee. By law (Art. 91 Accident Insurance Act), the premium for this is at the employee's charge, but paid by the employer (who deducts the premium from the wages). The employment contract may stipulate different terms (such as 50/50, which is common, or if you're lucky the employer agrees to pay 100%), but in the absence of any such agreement, the employee ultimately pays for "non-occupetional" accident insurance.

I also have the compulsory worldwide accident insurance cover deduction via my employer.

This was also a deduction on my RAV payslip when I was unemployed.
I just cancelled my personal one and problem solved.

Thank you for this information ... you are definitely right. Yet i was only referring to the 8 hours aspect for the insured person. On the other side, the rules say what you point out, yet in practice ... often it is inversed. Specially that it is finally a small amount. Therefore often the employer simply pays it for the employed person. Or who want's to be nitty gritty will charge all to the employee by simply reducing his brutto salary.