Accident Insurance
According to the Accident Insurance Act (UVG), every employer must insure its employees in Switzerland against the health-related, economic and immaterial consequences of accidents in the workplace (occupational accident) and those occurring during leisure time (non-occupational accident), as well as occupational diseases.
The insurance benefits are described in detail in the law and include medical treatment, daily benefits, disability pensions, survivors' pensions, integrity allowances and disability assistance payments.
Part-time employees who work less than eight hours per week for their employer are only insured against occupational accidents.
Examples of people not covered by this UVG duty to provide insurance include self-employed persons, housewives, students and family members who help out in the family business and do not receive any monetary compensation. However, all of these people may choose to take out accident insurance and then receive the same benefits as those insured in obligatory policies.
Anyone who has neither obligatory nor volunteer accident insurance is covered via their health insurance, but only for the costs of medical treatment; they do not receive daily benefits, pensions etc. (the important thing in this regard is to make sure that accidents are not excluded from the health insurance policy).
Premium
The premium depends on the business activity and is expressed in thousandths of the insured salary amount. It is paid by the employer. Employers can pass on to their employees the charges for the part of the premium paid for insurance against non-occupational accidents by deducting this amount from the employees' monthly salaries.
Start of insurance cover
Insurance cover starts on the day on which the employee starts working or should have started working because of being hired, but at the latest when he/she starts on their way to work.
End of insurance cover
Insurance cover for people who quit their jobs end 30 days after the end of their salary entitlement. Accordingly, those who do not start a new job (because, for instance, they are on unpaid holiday) are only insured by their health insurer for the cost of medical treatment of any accidents.
Interim accident insurance policy
Insurance cover for non-occupational accidents extends 30 days after the end of the employment relationship (interim cover period). If the person does not start a new job after the end of this period, the cover for non-occupational accidents ceases. Cover for non-occupational accidents can be extended up to a maximum of six further months by concluding an interim accident insurance policy. This is quite easy to do. The person just has to tell their employer, within 30 days of the end of the employment relationship, how long a period of time (up to 180 days) they would like their interim accident insurance policy to cover.
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