To ease the financial burden on grassroots sport, a new rule has been in force since the start of July 2024, under which athletes and trainers at clubs are only subject to compulsory accident insurance if their annual income surpasses a certain limit.

In practice, this means that sports clubs must provide compulsory accident insurance for paid members whose annual income is CHF 10,800 or more. This amounts to an average monthly income of CHF 900. The limit is adjusted annually, in line with the minimum full annual old-age pension as per OASI.

Thus, if you have staff members who receive more than the specified amount of remuneration for sporting activities, their sports club must provide them with accident insurance. Any sports-related accident would therefore be handled via the club’s insurance (treatment and daily allowance), which could have a positive impact on your company’s claims burden and premium costs.

If you, as an employer, know that you have employees who are active in a sports club and receiving remuneration there, please contact us. We will then carry out the necessary checks.

Conversely though, the new AIO provision also means that sports accidents that occur during leisure activities are still covered by your company’s non-occupational accident insurance (NOAI), as sports clubs are no longer required to take out accident insurance for staff who are unpaid or on very low incomes.