Swiss household employment
KTG: sickness daily allowance insurance
Also written: KTG · AMC · AMC
What is KTG insurance?
KTG insurance pays part of the wage while an employee is off sick. It is not compulsory under federal law, but some cantonal standard contracts for household work require the employer to take it out. Without it you owe the continued wage yourself for a limited time, which depends on your canton's standard contract and on how long the employment has lasted; in some cantons this applies from the first day. The insurance replaces that duty only if it is agreed in writing and is at least equivalent for the employee.
What it means if you employ someone at home
Check the standard contract for household work in your canton first. Where it requires this cover, you take it out, or agree its exclusion in writing with your Helper where that contract allows it. Elsewhere you can carry the wage continuation risk yourself or insure it; without cover, a long illness lands entirely on your household.
You are the employer. With Helpore Admin, Helpore prepares a contract if you want one and, under your signed power of attorney, files the declarations and produces the payslip in your name; with Admin Light, Helpore prepares the maths and the documents and you file and pay. Both are optional. You stay the employer in every case and can also do all of this yourself.
Common questions
Is KTG compulsory?
Not under federal law, but some cantonal standard contracts for household work require it. Where none does, you owe continued wage payment yourself without it, so the risk does not disappear, it just sits with you.
My household help is ill: how long do I keep paying the wage?
For a limited time, when the person is ill through no fault of their own. How long depends on your canton's standard contract for household work and on how long the employment has lasted (Art. 324a CO); in some cantons this applies from the first day. The time counts per year of service, and several illnesses are added together. With an hourly wage you pay the hours the person would normally have worked for you in that time. A daily sickness insurance is usually accepted as equivalent when it pays 80 % of the wage for 720 days and you pay at least half of the premium. You may ask for a medical certificate from the day your contract names.