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VAVplus: the accident insurance you tick when registering with the AHV

Salvador Jovells

Woman with long dark hair sitting at the kitchen table with a green mug, a sheet of paper in front of her
VAVplus is not a separate insurance but a box you tick at AHV registration.

VAVplus is not a separate insurance but a box you tick at AHV registration. Here is what it does, what it does not, and where households lose money.

Answer in 30 seconds

VAVplus (simplified settlement procedure plus) means the AHV compensation office bills the mandatory accident insurance for your domestic worker together with the AHV contributions once a year. At most offices the insurer is SOLIDA. You choose it when registering for the simplified procedure (on federal form 318.147 it is question 4.2). All 26 cantonal compensation offices have offered it since 2025, none applies it automatically.

  • Cover starts at registration, never retroactively. For the months before, the Ersatzkasse UVG pays your employee's benefits and bills you replacement premiums for up to 5 years (Art. 95 para. 1 UVG).
  • If you already have your own UVG policy, cancel it first with its notice period, otherwise you pay twice (Merkblatt 2.07, section 7).
  • VAVplus only exists in the simplified procedure: wage up to CHF 22'680 per person and up to CHF 60'480 per household per year.

This applies when

You privately employ a cleaner, nanny or domestic worker and register them in the simplified procedure, or are already registered there.

Official sources

How to choose VAVplus

How to choose VAVplus

There is no separate VAVplus form. You choose the accident insurance in the normal employer registration for the simplified procedure.

1

Register within one month of the start

Register as an employer in the simplified procedure with the compensation office of your canton of residence. The deadline is one month from the start of the employment (Directive on contribution collection, marginal no. 2108).

2

Tick the accident insurance

On the form, choose accident insurance through the office (federal form 318.147: question 4.2 "yes"). No further application is needed. Without this tick your employee is not insured through the office.

3

Premium with the annual invoice

You report the wage total by 30 January of the following year. The office invoices AHV contributions, source tax and UVG premium, payable within 30 days (Merkblatt 2.07, section 10).

Prepare your registration with VAVplus

Clino prepares the registration for your compensation office with your details, marks VAVplus and calculates the premium on every payslip. 30 days free, then CHF 19.90 per month.

Start registration

What VAVplus does not cover

  • No daily sickness allowance insurance: you still owe the wage during illness yourself.
  • No occupational pension (BVG). Whether your employee needs one and which plan fits is covered in our comparison of pension fund plans.
  • No choice of insurer: through the office it is the office's contract insurer, at most offices SOLIDA. Your own policy with an insurer of your choice remains allowed.
  • No ordinary procedure: if your employee earns more than CHF 22'680 a year, the simplified procedure and with it VAVplus fall away, and you need your own UVG policy. All 2026 thresholds · Which procedure fits?

VAVplus only settles accident cover. Use the check to see which other insurances your household owes.

The duty, the 2026 premium rates and a worked example: the UVG guide →

VAVplus: frequently asked questions

Is VAVplus available in every canton?
Yes. All 26 cantonal compensation offices offer VAVplus as an opt-in at registration. Schaffhausen was the last to confirm it in writing, on 7.8.2026. It is automatic nowhere: if you leave the field empty, your employee has no accident cover through the office and you need your own policy.
Do I have to take VAVplus?
No. You can also take out accident insurance with an insurer of your choice. The Uri social insurance office itself points out that this can be more practical for some households. The only duty is that cover exists from the first working day.
I am already in the simplified procedure, without VAVplus. Can I switch?
Ask your compensation office from when it adds accident insurance later. Merkblatt 2.07 gives no single cut-off date. Cancel your current policy for exactly that date, with its notice period, so there is neither a gap nor a double premium.
Whom do I contact after an accident?
At most offices the insurer is SOLIDA Versicherungen AG. Report the accident at once; your compensation office tells you where. SOLIDA pays the UVG benefits, meaning medical costs and daily allowance.
What does VAVplus cost?
In 2026 the premium is 0.505 % of gross wage for occupational accidents (paid by the employer) and 1.432 % for non-occupational accidents from 8 hours a week (may be deducted from the wage). A worked example is in the UVG guide.

Sources

Learn more

Accident Insurance (UVG) for Household EmployeesRead article
Simplified or ordinary procedure: which one applies?Read article
Simplified Procedure: 6 Downsides Nobody MentionsRead article
Cleaner Accident Without Insurance: Who Pays?Read article
Salvador Jovells

Salvador Jovells, founder of Clino