Register your senior caregiver in Switzerland the right way.
Hourly or 24-hour live-in care at home: AHV, accident insurance, NAV wage and contract — Clino handles all the paperwork. CHF 19.90/month.
Your caregiver in Zurich — fully planned.
Set hours and wage. Cost, procedure and insurance appear instantly.
Your Zurich care plan
Responsible office
SVA Zürich
online via AHVeasy
Your procedure
Ordinary procedure
Above CHF 22,680/year — monthly accounting, plus BVG pension from age 25.
Accident insurance
- Occupational accident (BU) — paid by the employer
- Non-occupational accident (NBU) — mandatory from 8 h/week
Your cost per month
≈ CHF 36'719.28 / year
What Clino does for you
- Employment contract ready
- Registration with SVA Zurich prepared
- Wage & contributions calculated every month
What matters when you register
From the first franc
In a private household there is no minimum: AHV is owed from CHF 1 of wages.
NAV minimum wage applies
The NAV for domestic work sets minimum wages: CHF 20.35–24.55/h, depending on experience.
Board & lodging = wages
If the caregiver lives with you, that counts as in-kind wages — CHF 990/month, subject to AHV.
- ✕No contract — just a handshake
- ✕Accident? You pay the medical bills
- ✕Fines up to CHF 10,000 + 5 years back pay
- ✓NAV-compliant employment contract
- ✓Accident insurance from hour one
- ✓AHV settled cleanly — CHF 19.90/mo.
Care is not nursingA privately employed caregiver handles everyday life — medical nursing stays with the Spitex. Many families combine both.Show details
Honestly
What the caregiver may do
- Company, conversation, daily structure
- Cooking, housekeeping, laundry
- Shopping and errands
- Accompaniment to doctor, hairdresser
- Walks and activation
- Night presence and reassurance
What belongs to the Spitex
- Preparing and administering medication
- Wound care and dressing changes
- Injections and medical measurements
- Basic nursing under KVG (doctor-prescribed)
Well cared for. And everything in order.
Contract, wages, AHV — prepared by Clino. You stay in control.
Register your caregiver in your canton
26 cantons — each with its own compensation office
Pick a canton on the map
Register your caregiver in your canton26 cantons — each with its own compensation officeShow details
Greater Zurich
Central Switzerland
Lucerne
WAS Wirtschaft Arbeit Soziales
Nidwalden
Ausgleichskasse Nidwalden
Obwalden
Ausgleichskasse IV-Stelle Obwalden
Schwyz
SVA Schwyz
Uri
Sozialversicherungsstelle Uri
Zug
Ausgleichskasse Zug
Swiss Plateau
Northwestern Switzerland
Eastern Switzerland
Appenzell Ausserrhoden
Sozialversicherungen Appenzell Ausserrhoden
Appenzell Innerrhoden
Ausgleichskasse Appenzell Innerrhoden
Glarus
Sozialversicherungen Glarus
Schaffhausen
SVA Schaffhausen
St. Gallen
SVA St. Gallen
Thurgau
Sozialversicherungszentrum Thurgau
Southeastern Switzerland
Western Switzerland
Fribourg
Caisse de compensation du canton de Fribourg
Geneva
OCAS - Office cantonal des assurances sociales
Jura
ECAS Jura
Neuchâtel
Caisse de compensation du canton de Neuchâtel
Vaud
Caisse cantonale vaudoise de compensation
Valais
Caisse de compensation du canton du Valais
Southern Switzerland
Register other household help
Correctly registered, insured and paid. One flat price.
Support for care at homeThree levers help carry the cost. The exact amounts depend on the case — the official leaflets are linked.Show details
Financing
AHV helplessness allowance
Independent of income and assets, graded by degree of helplessness.
Leaflet 3.01 (ahv-iv.ch) →Supplementary benefits (EL)
When pension and income do not cover living costs.
Leaflet 5.01 (ahv-iv.ch) →What you need to get started
Nothing more than this. You can fill in the rest any time later.
- Your home postcode (so we can set the canton and compensation office)
- Your caregiver's approximate hourly wage
- Your caregiver's name and date of birth
- If you have it: their AHV number (otherwise we add it later)
No lock-in. The first 30 days are free, then CHF 19.90 per month.
Spitex, agency or private with Clino?
Agency / alone — typical effort
- Agency fees or high placement commissions
- Find the right compensation office yourself
- Calculate NAV wage and presence time yourself
- Account for in-kind wages (board & lodging) correctly
- Organise UVG and possibly BVG yourself
- Compile annual statement and wage certificate manually
Register privately with Clino — CHF 19.90/month
- No placement commission on the wage
- Compensation office auto-detected by postcode
- NAV wage, presence time and in-kind wages correctly calculated
- UVG policy organised via partner insurer
- BVG accounted for automatically when it applies
- Annual statement and wage certificate generated automatically
What the law requiresShow details
Anyone employing a caregiver in their own private household — even for a relative — is an employer under the AHVA and must register them with the cantonal compensation office from the very first franc of wages. The NAV minimum wages apply; for live-in care, presence time and in-kind wages (board & lodging) must be recorded correctly.
Unregistered employment counts as undeclared work (BGSA, AHVA Art. 87/88). An inspection means back-payment of all social-insurance contributions for the last 5 years plus default interest and a fine — and if an accident happens, you are personally liable without insurance.
Sources: CO, AHVA, BGSA, UVG, NAV domestic work (SECO)
The offer
Everything included. One price. Zero risk.
CHF 19.90 a month — less than a single hour of care. And the paperwork is off your plate.
Your risk: zero.
Try it free for 30 days — nothing is charged before day 30. Not convinced? Two clicks, cancelled, CHF 0 paid.
What you get — all included
- Employment contract, ready to sign — incl. board & lodging, presence time
- A payslip every month — automatic, as PDF
- Registration & forms pre-filled (AHV, accident insurance, withholding tax)
- BVG pension handled automatically when it applies
- Year-end wage statement — for the tax return
- A reminder for every deadline + personal help on WhatsApp
CHF 19.90/month. Flat.
0% commission on wages · no power of attorney · no year-end surprise
Must register?
Yes, from the first wage
Clino's cost?
CHF 19.90/month, flat
Effort
~5 minutes, then automatic
Frequently asked questions — registering a caregiver
May my caregiver administer medication or treat wounds?
No. Medical services — preparing and administering medication, wound care, injections, basic nursing under the KVG — belong to the Spitex or an approved nursing service. A privately employed caregiver handles companionship, housekeeping, accompaniment and everyday help. The two combine well.
Do I have to register the caregiver if she only comes a few hours?
Yes. In a private household there is no minimum threshold — AHV contributions are owed from the first franc of wages. Not registering risks back-payment of all contributions for up to 5 years, plus default interest and a fine.
Can I use the simplified procedure?
Usually not. The simplified procedure only applies up to CHF 22'680 of annual wages per person — a caregiver with a regular workload, especially live-in, is almost always above. Then the ordinary procedure applies. Clino handles both and picks the right one automatically.
How is night presence compensated in 24-hour care?
Presence time — the caregiver sleeps in the home and gets up when needed — is not free time and must be compensated. SECO provides a model NAV for 24-hour care: working time, presence time and free time must be clearly defined and separately paid in the contract.
How are board and lodging counted?
If the caregiver lives and eats with you, it counts as in-kind wages subject to AHV. Official rates: breakfast CHF 3.50, lunch CHF 10, dinner CHF 8, lodging CHF 11.50 — total CHF 33 per day, i.e. CHF 990 per month. This amount is added to the cash wage and appears on the payslip.
Does my caregiver need an occupational pension (BVG)?
From CHF 22'680 annual wage and age 25, the occupational pension is mandatory — practically always the case for a live-in caregiver. As the employer you affiliate with a pension fund (e.g. the BVG substitute occupational benefit institution). Clino shows you when the obligation applies and accounts for the contributions.
My caregiver comes from abroad — what applies?
EU/EFTA nationals may work with registration in Switzerland; without a C permit the wage is taxed at source — Clino calculates the withholding tax automatically. Non-EU states are considerably harder (quotas, permit required). Even a rotating caregiver must be correctly registered from the first working day.
Is there financial support for care at home?
Yes, three levers: the AHV helplessness allowance (independent of income and assets), supplementary benefits (when pension and income do not cover living costs) and the tax deduction for illness- or disability-related costs. The amounts depend on the case — the official leaflets are linked above.
What does Clino cost?
CHF 19.90 per month — flat, whether hourly care or 24-hour employment, regardless of how many employees. Includes AHV/IV/EO/ALV settlement, payslips, wage certificate, withholding tax, BVG in the statement, contract templates and deadline reminders. Nothing is charged before day 30, cancel monthly.
Tools — free to use
Before you register — these help
Not sure yet which wage to offer or need a contract template? These tools help — no sign-up needed.
Care organised, registration done — in 5 minutes
All 26 cantons, AHV, accident insurance, NAV wage, board & lodging and BVG. Flat CHF 19.90/month.
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