Accident insurance

Accident insurance is compulsory for employees in Switzerland, including apprentices, interns, home workers, volunteers, and employees in training or disabled workshops. If the employee works more than 8 hours per week for the employer, the employer must also be insured against non-occupational accidents. Occupational illnesses are treated in the same way as occupational accidents.

Expense reimbursements

Medical treatment is paid for via the UVG, such as outpatient treatment by the doctor, dentist or chiropractor, as well as outpatient treatment in the hospital and medication prescribed by you. Costs that are covered for treatment, meals and accommodation in hospitals are made in the general department.

Daily Allowance

Anyone who is fully or partially unable to work as a result of an accident receives a daily allowance from the UVG. This is paid out on the 3rd day after the day of the accident and amounts to 80% of the insured salary in the event of total incapacity for work.

Disability Pension

An IV pension is also paid out through the UVG. Anyone who becomes disabled through an accident is entitled to it. The disability pension amounts to 80% of the insured salary in the event of full disability.

Integrity Compensation

If an insured person suffers permanent damage to their physical, mental or psychological integrity as a result of an accident, so-called integrity compensation is paid out. This is a capital payout.

Helplessness allowance

If the insured disabled person needs permanent help from third parties, a helplessness allowance will be paid out.

Survivor's pension

A survivor's pension is withheld by the accident insurance if the insured person dies as a result of an accident (or as a result of the consequences). The pension is paid to the widow / widower and their children.

UVG addition (UVGZ)

Supplementary accident insurance offers more protection than the mandatory UVG. Cover can be insured, such as loss of wages of CHF 148,200, reductions in benefits due to gross negligence under the UVG, additional benefits in the event of disability or death. In addition, costs in the private or semi-private wards of hospitals around the world as well as the obligation to continue paying wages in the event of incapacity to work are covered.