Accident insurance

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.

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.

One policy for all personal insurance

Combine the accident insurance and daily sickness benefits insurance for your employees in one single contract. Not only do you save on premiums, but you also avoid insurance gaps and overinsurance.

• Optimal needs-based coordination of payments of
  • Daily sickness benefits insurance for employees
  • Mandatory accident insurance (UVG)
  • Accident insurance, supplementary to the UVG, for employees
  • Accident insurance for customers and visitors
  • Accident insurance for employees not covered under the UVG
• Attractive combination discount
• One-time salary declaration
• One invoice, one form, one easy-to-understand document for the insurance conditions
• Streamlined administration
• Supplementary option of a BVG solution or a private pension from AXA
  
• Also for the self-employed

Accident and health insurance for company owners

• Coverage of effective need, also supplementary to Federal Act on Accident Insurance (UVG) and Federal Act on Occupational Retirement, Survivors' and Disability Pension Plans (BVG)
• Guaranteed benefits without time-consuming inquiries
• Also for your spouse who works with you
• Optimization and/or closing of pension gaps with life insurance in case of occupational disability or death
   

Accident insurance for customers and visitors

If customers or visitors to your company suffer an accident, it can be expensive to clarify the question of guilt. Protect yourself from any such unnecessary hassle. Accident insurance for customers and visitors pays out immediately, allowing your company to act as an exemplary host.

• Medical expenses
  
• Repair or cleaning of clothes and items carried along or replacement at new-for-old value up to CHF 10,000
• Daily benefits from the first accident day
• Disability lump sum
• Death lump sum