What is the AANP contribution?
The AANP contribution corresponds to the premium paid for the non-occupational accident insurance. This coverage is part of the Swiss social security system and protects employees against accidents occurring outside the professional context: leisure, sports, daily life, etc.
In 2025, this insurance is mandatory for anyone working at least 8 hours per week in the same company. This means that once this threshold is reached, the employer must insure the employee not only against occupational accidents (AAP), but also against non-occupational accidents (AANP).
On the other hand, part-time employees who work less than 8 hours per week are not covered. They are only insured for accidents occurring on the most direct route between home and work. To be properly protected, they must therefore include the "accident" option in their basic health insurance.
Who pays the AANP contribution in 2025?
In 2025, the AANP premium is fully financed by the employee. In concrete terms, the employer first pays the overall bill to the accident insurer, then deducts the AANP portion directly from the employee's salary each month. It is important to distinguish between 2 types of cover provided for by law:
- AAP - occupational accidents: These premiums are paid by the employer. They cover accidents occurring at work or on the training site.
- AANP - non-occupational accidents: These premiums are paid by the employee. They cover accidents occurring in private life (sport, leisure, daily life).
This separation ensures a clear distribution of costs: the company protects its employees during their professional activities, while each employee pays for coverage for his or her private activities.
As a result, any employee working at least 8 hours a week should expect to see an "AANP" line on their 2025 payslip, corresponding to their compulsory contribution.
How much will the AANP contribution cost in 2025?
The amount of the AANP contribution is not fixed: it depends on the premium rate set by the LAA insurer and the company’s sector of activity. As a rule, premiums range between 1% and 3% of the insured gross salary.
For an annual gross salary of 80,000 CHF, the contribution can amount to between 800 CHF and 2,400 CHF per year, or roughly 65 to 200 CHF per month. Each employee can check the exact amount directly on their payslip, where the “AANP” line appears clearly.
What if I work less than 8 hours a week?
Employees who work less than 8 hours per week in the same company are not insured by the AANP. Their employer therefore pays no premiums for personal accidents.
In this case, only minimal protection remains: accidents on the direct commute to and from work are still covered by occupational accident insurance (AAP).
To be properly protected, these employees must add the “accidents” option to their mandatory health insurance. This coverage is offered by all health insurers and ensures the reimbursement of medical expenses related to non-occupational accidents.
