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Old 20.03.2020, 21:41
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KTG and accident insurance - Contracting

I am considering a contracting offer in Zurich, and upon checking the payslip information i found the KTG illness insurance and accident insurances which I do not fully understand.

The "employer" in this case the agency must ensure sick day pay, they take an insurance policy which of course actually comes from the contractor's pay as a "company charge". In my situation, the claim right kicks in after 10 days, and the policy costs 2.3% of gross pay. Are these conditions normal from a commercial standpoint?

Also, the accident insurance seems to be applicable only in Switzerland, whereas the role requires frequent travel abroad - are contractors expected to cover their own insurance out of CH?

Thanks!
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Old 21.03.2020, 16:55
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Re: KTG and accident insurance - Contracting

How much does this KTG policy cost you? what are the deduction percentages you guys see in your payslips (employer side + employee side) and after how many days of sickness can the 80% pay be claimed?
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