Public service Accident insurance for amateur sports clubs will be reduced

From (today's) Monday, amateur sports clubs will be relieved of the financial burden of accident insurance. Athletes and coaches who do not exceed a certain annual income will no longer have to take out compulsory accident insurance with their club.

The minimum amount of such an annual income is two thirds of the minimum amount of a full annual AHV retirement pension - i.e. CHF 9800 (2023). As soon as this amount is exceeded in the aforementioned functions, all persons working as coaches or athletes must be insured.

Any accident is now covered by the non-occupational accident insurance of the main employer or via accident cover with the health insurance company.

For all other employees, such as service personnel or cleaning staff, nothing will change. In any case, they are subject to compulsory insurance in accordance with the Federal Law on Accident Insurance (UVG).

According to the UVG, all employees in Switzerland must be insured against accidents. However, the search for an accident insurer is sometimes difficult for amateur sports clubs due to the increased risk of injury and the high costs in the event of an accident.

For this reason, in November 2023, the Federal Council added this exemption provision for athletes and coaches to the Ordinance on Accident Insurance.