This information applies to local staff:
- Swiss nationals working for a representation of a non-EU or non-EFTA member state.
- Nationals of an EU or EFTA member state who are permanently resident in Switzerland at the time they are recruited (residence permit (B permit) or permanent residence permit (C permit)) and who work for a representation of a non-EU or non-EFTA member state.
- Foreign nationals (other than EU/EFTA nationals) who are permanently resident in Switzerland at the time they are recruited (residence permit [B permit] or permanent residence permit (C permit)) and work for a foreign representation in Switzerland.
Old-age and survivors' insurance (OASI)/invalidity insurance (IV)/loss of earnings compensation (EO)/unemployment insurance (UI)/family allowances and occupational pension funds
The aforementioned persons are subject to compulsory OASI and IV insurance and EO and family allowance cover. As a general rule, they must take out their own insurance and pay their own contributions, as they are deemed to be employed by an employer that is not required to pay contributions under Article 6, paragraph 1 of the Old-Age and Survivors Insurance Act (OASIA)).
They may join the mandatory occupational benefits scheme, on a voluntary basis, at the Substitute Occupational Benefit Institution and must pay the contributions themselves (Art. 1j para. 1 letter a of the Ordinance on Occupational Old Age, Survivors' and Invalidity Pension Provision (OPO 2)).
In principle, diplomatic missions and consular posts are not obliged to take any action to ensure that local staff join compulsory Swiss social security schemes. Neither are they required to pay employer's contributions (Art. 33 letter a of the Ordinance on the Old-Age and Survivors Insurance (OASIO)). They may contribute on a voluntary basis and agree to the payment of joint contributions (Art. 6 para. 2 OASIA). The payment of OASI, IV, EO, UI and family allowance contributions by the employer does not create any insurance requirement under an occupational pension scheme.
Switzerland has entered into social security agreements with the following countries, which may include obligations for employers: Albania, Australia, Austria, Belgium, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Chile, China, Croatia, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, India, Ireland, Israel, Italy, Japan, Kosovo, Liechtenstein, Luxembourg, North Macedonia, Montenegro, Netherlands, Norway, Philippines, Portugal, Quebec, Republic of San Marino, Slovak Republic, Serbia, Slovenia, Spain, Sweden, Tunisia, Turkey, United Kingdom, United States of America, Uruguay.
Under certain social security agreements, employees may elect that the legislation of the country employing them shall apply (opt-in).
Accident insurance
The aforementioned persons must also have accident insurance cover. Diplomatic missions and consular posts must apply to the Federal Office of Public Health (BAG-Unfallversicherung@bag.admin.ch) and undertake to fulfil the legal requirements (in particular, to pay employer's contributions) (Art. 3 para. 3 of the Accident Insurance Ordinance (AIO)).
Health insurance
The aforementioned persons are subject to compulsory health insurance and must pay the applicable premiums and contributions to costs. In principle, employers are required to pay health insurance contributions, unless otherwise provided in the employment contract.