Liechtenstein Health Insurance (KVG OKP) Calculator
Calculate mandatory health insurance (OKP), 50% statutory employer contribution (Arbeitgeberbeitrag), Franchise deductible (CHF 500), and 20% Selbstbehalt.
🏥 Krankenkassen- & Versicherungsparameter (KVG)
📊 Aufteilung Arbeitgeber & Arbeitnehmer (Cost Sharing)
| Beitragsposition | Regelung | Monatlich (CHF) |
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Häufig gestellte Fragen (Statutory FAQs)
What is the mandatory health insurance system (OKP) in Liechtenstein?
Under the Liechtenstein Health Insurance Act (Krankenversicherungsgesetz - KVG), all residents and employees working in Liechtenstein must be insured for mandatory healthcare (Obligatorische Krankenpflegeversicherung - OKP) with an approved domestic or cross-border recognized health fund (e.g., Concordia, FKB).
How much must the employer contribute to the employee health insurance premium in Liechtenstein?
Under Article 24a KVG, employers are legally mandated to pay 50% of the statutory average adult health insurance reference premium (typically around CHF 171 to CHF 185 per month for full-time adult workers, prorated for part-time workers).
What is the statutory annual deductible (Franchise) in Liechtenstein?
The standard statutory annual deductible (Franchise) for adults is CHF 500 per calendar year. Insured individuals may voluntarily choose a higher franchise (e.g., CHF 1,500) to reduce monthly premiums.
How does the co-payment (Selbstbehalt) function after the franchise is reached?
Once the annual franchise is exhausted, the insured person pays a 20% co-payment (Selbstbehalt) on outpatient healthcare expenses, capped at an annual maximum statutory ceiling of CHF 900 for adults.
What is the mandatory daily sickness allowance (Krankentaggeldversicherung)?
Under KVG, employers must maintain daily sickness allowance insurance covering at least 80% of salary for 720 days. The insurance premium (typically 1.4% to 2.0% of payroll) is shared equally (50% employer, 50% employee).
Engr. Muhammad Shahzad
Verified Central European & DACH Statutory Systems SpecialistChartered Systems Engineer and Fiscal Modeler. Specializing in Liechtenstein statutory labor jurisprudence under the General Civil Code (ABGB § 1173a), Persons and Companies Act (PGR - Stiftung, Anstalt, AG), Tax Act (SteG 2010 - Ertragssteuer, PVS, Vermogenssteuer), Swiss-Liechtenstein bilateral customs & VAT treaty frameworks, and social insurance systems (AHV/IV/FAK/KVG).