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Old 23.09.2007, 12:14
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Standard Contract Terms & Conditions - A few questions

This site is a wealth of information and I have already found the answers to some questions using the search facility. However, I would appreciate the input of fellow forum members in respect of what is and isn't standard in Swiss employment contacts.

To give you some background, I am 35 years old and the job is in the financial sector. I have 16 years of experience in my particular field (reinsurance). I won't be asking "what is a good salary" as there is more than enough information on this site to aid my decision making process in this respect. I simply want to know if the following "peripherals" are "standard" as I would obvioulsy like to go back and negotiate the best deal. In my experience, it is quite often the detail that can make the difference between a good and an average package.

1. Contributions for AHV, IV, EO and ALV are to be split 50/50 between the company and employee. Do some companies pay 100% and how much are these as a % of salary?

2. Inclusion in company pension plan.

3. I would continue to receive my salary for a maximum period of 3 months in the event of illness. This seems very low compared to other companies / countries I have worked in.

4. I would be insured for occupational and non-occupational accidents. I assume this is not Health Insurance. It therefore appears that I am responsible for health insurance and wondered if this is standard. What can I expect to pay for a years cover if I cannot negotaite to include it in my contract?

5. Death - Salary for the month of death and for three consecutive months. To include companies obligations under Art. 338 of the Swiss Code of obligations. Again, this seems very low compared to other companies / countries I have worked in. I was expecting at least 1 or maybe 2 years salary in the event of death.

6. 20 days paid vacation + all public holidays. I had 25 days in my last job. What is standard in Switzerland?

7. Bonus is 0 - 25% of salary dependent on Individual and Company performance. Is this a good figure (upper end) for the finance sector.

Thanks in advance for your feedback and links to answers elsewhere on this site.

Cheers, Cokernuts
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Old 23.09.2007, 12:26
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Re: Standard Contract Terms & Conditions - A few questions

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1. Contributions for AHV, IV, EO and ALV are to be split 50/50 between the company and employee. Do some companies pay 100% and how much are these as a % of salary?


No. AHV/IV 6.5; ALV 1

Quote:
3. I would continue to receive my salary for a maximum period of 3 months in the event of illness. This seems very low compared to other companies / countries I have worked in.
In general it is three months at 100% then a lower rate up to about one and a half years.

Quote:
4. I would be insured for occupational and non-occupational accidents. I assume this is not Health Insurance. It therefore appears that I am responsible for health insurance and wondered if this is standard. What can I expect to pay for a years cover if I cannot negotaite to include it in my contract?
Very standard. Rates depend on franchise, system, and canton. Ballpark 200 CHF/ mo in Zurich.

Quote:
5. Death - Salary for the month of death and for three consecutive months. To include companies obligations under Art. 338 of the Swiss Code of obligations. Again, this seems very low compared to other companies / countries I have worked in. I was expecting at least 1 or maybe 2 years salary in the event of death.
Standard. It's not a life insurance contract after all...

Quote:
6. 20 days paid vacation + all public holidays. I had 25 days in my last job. What is standard in Switzerland?
Legal minimum is 20. Varies greatly from one institution to another.

Quote:
7. Bonus is 0 - 25% of salary dependent on Individual and Company performance. Is this a good figure (upper end) for the finance sector.
Yes for non-executive roles (below assistant-director / VP rank)
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Old 23.09.2007, 12:56
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Re: Standard Contract Terms & Conditions - A few questions

Health insurance varies wildly. Your company covers you for accidents at and away from work. When you get your health insurance you need to point out that your company is picking up the accident insurance (check that your partner has accident cover included if they ar not working. If your partner sbsequently gets a job make sure you let the insurance company know or you will continue to pay for accident insurance even though its been picked up by you or their new employer.

Do you do sports? Check when you get your insurance what's covered.A classic is that helicopter transfer is excluded and a maximum is placed on ambulance transfer. If you are going to do a lot of skiing or mountainbiking you'll need to take out special extensions. If you break your leg skiing the paramedics will arrive by ski and their first question will be "are you insured for the helicopter". If you don't want to stump up the small mortgage for the helicopter flight you go down on the slegde (ouch) and then pay for the ambulance ride back to town (double ouch)

We pay 540 francs for a couple (270 each) in GHK's flex scheme which means we can pick from private (own room), half private ( two occupants per room) or normal (ward) and we get non-standard treatments e.g. osteopath thrown in. They also pay 400 each toward our gym meberships. That's quite a good deal. You can check for yourself on the COMPARIS website which compares all insurers across Switzerland.

20 days holiday is boringly normal but check about office shutdowns over Christmas which can be counted or not depending on the employer. Also ask about "betriebs ferien" this is where there is an office shutdown over two weeks in Summer that is taken from your holiday right in the peak season "convenient"!

Beware the unavoidable but mean spirited Christmas holiday rules. If Christmas or New Years falls on a weekend it's your tough luck they won't reimberce the holiday either side of the weekend.

Wouldn't know about bonuses, but then I have a proper job
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