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Maternity Insurance (APG – Amat)


If you are self-employed, you are responsible for paying your own social security contributions into the Compensation Fund.  They will be fixed provisionally on the basis of your estimated income for the year.  The AVS/AI/APG contributions are payable all together, at a maximum rate of 10%, provided your annual income is equal to or greater than CHF 57,400.  Within this overall rate, AVS is 8,1%, AI is 1,4%, and APG is 0,50%. If your income ranges between CHF 9,600 and CHF 57,400, you benefit from a regressive rate.  If it is below CHF 9,600, you only pay the CHF 503 per annum, minimum lump-sum.  In addition, there is a 1% contribution to compensation fund administrative costs, based on the fixed contribution level.  

The obligation to contribute terminates when you reach retirement age and when you cease all paid employment.  If you carry on working, contributions will be levied after deduction of an exemption of CHF 1,400 per month or CHF 16,800 per year.  


You are paid a maternity allowance at the birth of your child, provided you can prove that you were insured for a period of at least nine months prior to giving birth, and were gainfully employed for at least five months during that period. Entitlement to an allowance begins the day of delivery and expires at latest 14 weeks or 98 days (including weekends) after delivery, insofar as you do not resume gainful employment during that period.  The application for a maternity allowance should be made through the CVCI, no later than five years after the birth of your child. The allowance is 80% of your average income, but not more than CHF 196 per day.

How to proceed

In order to contribute you must first register with the CVCI and the Compensation Funds.  Once affiliated, your provisional contributions will be fixed on the basis of your estimated income for the current contribution year.  You should inform us of any major changes during the course of the year (+/- 25%).  The provisional contributions are payable on a quarterly basis to the compensation fund, that is, at latest on the tenth day following the end of the quarter. In the case of late receipt of your statement of account or late payment, a default interest of 5% will be charged. Once you have provided your accounts (profit and loss account and balance sheet) you will be sent a statement of account which will set real income receipts for the year under consideration against your provisional contributions.  For the difference you will either be invoiced, or a credit note will be deducted from your next contributions.