General Health Insurance (AZV)

The AZV is an obligatory insurance introduced as per January 1, 2001. Everyone who is registered as a resident in the Census Office is insured with the AZV. A limited number of provisions is not covered by the AZV. For instances, the higher classes insurance in the hospital, glasses, dental care for adults, and care abroad during vacation. If you would like to be insured for these provisions, you should contact your insurance company for supplemental health insurances.

Wage compensation insurance (ZV)

The employer must insure each employee earning up to an annual maximum of Afl.49,296.00 (as per January 1, 2001) for wage compensation due to illness or accident. The contribution for this insurance is 4% of the employee's salary and is paid fully by the employer.

Accident Insurance (OV)

Regardless of his income, the employer must insure each employee for on-the-job accidents. The contribution rate is not standard, but differs from industry to industry. Employers pay between 0.25% and 2.5% of the employee's salary up to a maximum annual income of Afl.49,296.00.

Old Age and Widow/Orphans Insurance (Aov/Aww)

At the age of 60, every citizen is entitled to an old age pension. The contribution for the old age and widow/ orphans insurance is 13.5% of the annual income, of which the employee contributes with 4% and the employer with 9.5%. In case of a self-employed, the contribution is 13.5%. The maximum annual contribution amounts to Afl. 6,655. The monthly contribution has to be transferred by the employer before the 15th of the following month to the Tax Collector's Office.