Please note:
Always use the ELM profile when setting up your insurances.
Your insurance provider can supply you with this document.
Only if the data is entered correctly will the deduction calculations be accurate.
Introduction
As of 18 November 2024, KLARA includes all necessary updates for ELM 5.0. You can now manage multiple insurances at the same time, enter individual premium details, and assign employees accordingly.
General information (applies to all insurances)
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New timeline view: Enter future data, for example when switching insurance providers.
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Multiple insurances: You can manage several at once, such as two different UVG policies.
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Assign employees: Link employees to the correct insurance under their master data.
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Always check the correct time period before entering data.
AHV insurance data
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Add your compensation office using the search function.
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Enter contract start date and membership number.
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Legally defined deductions (AHV/IV/EO, ALV, ALVZ) are fixed and cannot be edited.
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Administration costs must be entered manually as a percentage.
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The split between employer and employee is set by law – no changes possible.
Family compensation fund (FAK)
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If your FAK is the same as your AHV compensation office, enter it again.
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For association compensation offices:
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You can enter multiple cantons and their individual premium rates.
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Existing structure with separate insurances per canton can be kept.
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Mid-year changes are possible – calculations and salary reporting remain correct.
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The split between employer and employee is set by law – no changes possible.
Accident insurance (UVG)
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Contracts may be divided into different operational units with varying risk levels (e.g. production vs. office).
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Enter each unit exactly as listed in the ELM profile.
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Occupational accident insurance: employer covers 100% of the premium.
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Non-occupational accident insurance: split is flexible, e.g. employer 70%, employee 30%.
Supplementary accident insurance (UVGZ)
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This insurance is optional and highly flexible.
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Example of differentiated premiums:
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Up to CHF 100,000: 2% premium
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Above CHF 100,000: 1.2% premium
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A salary cap must be defined and entered.
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Premiums can be split freely between employer and employee.
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Important: always follow your ELM profile to avoid errors.
Daily sickness benefits insurance (KTG)
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This is also an optional insurance.
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Same logic and flexibility as with UVGZ.
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Premium split can be freely defined.
Pension fund (BVG)
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ELM 5.0 reporting for certified pension funds will be supported soon.
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Instead of percentages, enter specific CHF amounts directly in the employee master data.
Conclusion
KLARA allows you to manage all social insurance premiums clearly and in compliance with legal requirements.
With new features like the timeline and multi-insurance support, you are well prepared for ELM 5.0 reporting.
Always make sure to enter data exactly according to your ELM profile.