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Old 15.06.2020, 14:17
Steve Steve is offline
Join Date: Jun 2019
Location: Neerach
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Re: ANOBAG - any experiences? Good , bad and the ugl

In theory you do not have to apply for ANobAG in advance of signing a contract. It is however good practice to do so as you then have proof of cover from the first day - your employer is then no longer responsible if you have an accident or other disabilility. The AHV Office will normally get back with confirmation within a week, and then ask you for a copy of the accident insurance policy, and, if you are an EU/EFTA/UK citizen, a copy of the second pillar pension.
The cost of the accident is typically 1-2% (It is slightly higher for blue collar workers than for office workers).
The minimum cost of the pension is from approximately 8% (at age 25) to 18% above age 55 but depends in detail on the level of insurance cover attached to the pension.
Since I am seeing a lot of ANobAG queries we put up an FAQ at for anyone with questions about this scheme.
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