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Maternity insurance (APG - Amat)


As an employer, you are responsible for the payment of social contributions in respect of all your employees, as from 1st January following their 17th birthday, and in respect of any self-employed persons working for you who have not been declared to a social security institution. The obligation terminates when your employees reach retirement age and cease all gainful employment.  For administrative purposes, the AVS/AI/APG contributions are grouped together at an overall rate of 10.55%, of which half (5.275%) is contributed by the employee and half by you. Within this overall rate, AVS is 8.7%, AI is 1.4%, and APG is 0.450%.  In addition, there is a contribution to the Compensation Fund’s administrative costs (between 0.02% and 0.175% of the payroll), calculated on the basis of r


A maternity allowance is paid to all salaried women who, at the birth of their child, can prove that they have been insured at least nine months prior to the birth, and have been gainfully employed for at least five months during that period. Entitlement to an allowance begins on the day of delivery and expires at latest 14 weeks or 98 days (including weekends) after delivery, insofar as the mother does not resume gainful employment during that period.  The claim must be signed by you and by your employee, and in principle you are responsible for the payment of her salary during maternity leave.  If this is the case, our Compensation Funds will transfer directly to you the maternity allowance due which is 80% of average income, but not more than CHF 196 a day.


In order to pay the contributions, you must first register with the CVCI and our Social Compensation Funds. Once affiliated, your provisional contributions will be fixed on the basis of your annual payroll estimate. You should inform us of any major changes during the course of the year (+/- 25%).  The provisional contributions are payable on a quarterly basis if the payroll is below CHF 200,000 and monthly if it is greater.  In the case of late receipt of your statement of account or late payment, a default interest of 5% will be charged. At the end of the year, you will be sent a statement of account which will set real salary payments for the year under consideration against the provisional contributions.  For the difference you will either be invoiced, or a credit note will be deducted from your next contribution payment.  As an employer, you are responsible for the payment of AVS contributions in respect of all your employees, and you are subject to periodic checks.



2.01 - Salary contributions to Old-Age and Survivors' Insurance (OASI), Disability Insurance (DI) and Income Compensation Insurance (IC)

2.04 - Cotisations à l’AVS, à l’AI, aux APG et à l’AC sur les salaires minimes (Only in french)

6.02 - Maternity benefit


Aministrative fees

1.2 - Membership application for companies

1.1 - CVCI Membership application


318.750 - Maternity Allowance Application Form

318.751 - Supplementary Maternity Allowance Application Form