Accidents can happen quickly, and costs can mount up before you know it. This is why employers in Switzerland have to insure all of their staff against occupational accidents and sickness – as well as non-occupational accidents if they work at least eight hours a week. In addition to the coverage required by law, AXA offers supplementary options and combinations that make good sense.
Employers are liable for the entire premium and the share of it that covers occupational accident and sickness. As a rule, employees bear the share for non-occupational accidents via a salary deduction.
Accident insurance covers accidents and occupational sickness. Non-occupational sickness is in principle covered by employees’ health insurance. For the insurer to accept an accident report and pay out, the accident in question must involve an unusual, unintended, and sudden effect on the human body from an external factor.
Yes. Employees are covered by mandatory insurance against occupational accidents and occupational sickness, whatever their working hours. This includes the journey to and from work from leaving home until returning home.
Accident insurance is only mandatory for employees, not for self-employed people or company owners. However, you can take out accident insurance on a voluntary basis.
Your mandatory coverage against non-occupational accidents remains in place, provided you are still entitled to 50% of your salary. Your coverage ends 31 days after your employment terminates. Interim accident insurance allows you to extend your statutory cover by up to six months.
In the case of treatment abroad, mandatory accident insurance pays out no more than twice the cost of the same treatment in Switzerland. Supplementary insurance is thus highly recommended in certain countries, such as the United States and Canada.
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