Accident Insurance

Principles

Under the Federal Law on Accident Insurance (UVG), employers are obliged to insure their employees for occupational and non-occupational accidents. Employees who work less than 8 hours per week only have to be insured for occupational accidents.

Include accident risk

Employees must make sure that their private health insurance also covers the risk of accident if

  • they work less than 8 hours per week (in which case the employer does not have to take out non-occupational accident insurance for the employee).
  • the employment relationship is terminated (insurance cover lapses with the termination of the employment contract).

Employers must inform their employees in writing that they are no longer covered for accidents in the above cases and are responsible for taking out their own accident insurance.

Premiums

The employer must pay the premiums for the occupational accident insurance. The premiums for the non-occupational accident insurance can be deducted from the employee’s salary.

Benefits

The accident insurance pays the costs for medical treatment in a general hospital ward and also pays 80% of the insured salary (maximum CHF 148’200.–) from the 3rd day after the accident.

Supplementary insurance

Supplementary insurance offers other benefits in addition to those provided by the compulsory insurance.

Application for accident insurance

Click here for the application form for accident insurance.