Mandatory accident insurance (UVG)
This insurance fulfills the statutory prescribed personal insurance coverage for occupational accidents, for accidents on the way to and from work, and for occupational diseases. From 8 working hours per week, accidents during leisure time (non-occupational accidents, NOA) are also insured. For company owners and self-employed persons there is no insurance obligation. You may, however, take out mandatory accident insurance on a voluntary basis. Accident insurance.
Benefits apply up to the maximum amount defined by law:
Care benefits and medical treatment in the general ward. Benefits abroad are limited.
Daily benefits of 80% of insured earnings from day 3, corresponding to the level of incapacity for work
Disability pension of 80% of insured earnings
Surviving dependants' pensions totaling a maximum of 70% of insured earnings, with AHV/ IV pension combined maximum of 90% of insured earnings
Impairment compensation if permanent physical or mental impairment
Helplessness allowance if permanent need for assistance or supervision
Accident insurance supplementary to UVG coverage (UVGZ)
This insurance is supplementary to the statutory benefits of mandatory accident insurance and offers you a needs-based, customized benefits package.
The daily benefits, the disability and surviving dependants' pensions for the salary portions that exceed the maximum mandatory amounts
Daily benefits for days 1 and 2 and for relapses or sequelae from earlier accidents
Choice of options for employer's obligation to continue salary payments
Bridging lump sum in case of disability or death
Life partner's pension of 40% of the total salary
Additional costs for care benefits in a private or semi-private ward
Costs of household help and complementary medicine
Coverage of exclusions and reductions of mandatory accident insurance
Accident Card for accidents abroad
Persons involved in an accident abroad often receive medical treatment only if they can prove that an insurer will cover the costs. With a commitment to provide coverage, the accident insurer assures the hospital that it will cover the basic costs of the treatment.
The Accident Card ensures quick and efficient help in case of an emergency. It includes the phone numbers +41 800 809 809 and +41 52 218 95 95, with which you can access the following services:
A reliable contact person in case of an accident abroad, available round the clock
An immediate commitment to provide basic coverage in emergencies involving accidents abroad
We recommend that you always have the card with you when traveling abroad. It is not needed in Switzerland. Please order the cards for your employees via your advisor or insurance broker.
Support and frequently asked questions
Who pays the premiums for mandatory accident insurance?
Am I insured against accidents on my way to work if I am only employed for 2 hours per week at a company?
Do I have to take out accident insurance as a company owner?
Individual life quotes
What do I need to be aware of if involved in an accident abroad?
Am I covered against accidents if I take several months of unpaid leave?
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