As an employer, you are required to insure your employees against accidents. Starting from a working week of 8 hours, this mandatory coverage applies not only at their workplace and on their way to and from work, but also during their leisure time. AXA is happy to clarify any questions your company may have regarding personal insurance in a simple, needs-based and straightforward way.
Employers bear at least the premiums for occupational accidents and illnesses. The premiums for non-occupational accidents are essentially borne by employees, but can be assumed on a voluntary basis by employers.
Yes. Employees are covered by mandatory insurance against occupational accidents and occupational diseases whatever their working hours. This includes the way to and from work, from leaving home until returning home.
Accident insurance is only mandatory for employees, and not for the self-employed or for company owners. You can, however, include yourself in your company’s accident insurance on a voluntary basis.
In certain countries, hospitals will only treat patients in an emergency if their insurer agrees to accept the costs. Accident insurers and employers should therefore be informed immediately in cases of major treatment. The Accident Card therefore makes good sense when abroad, as it carries the important phone numbers for immediate contact with AXA.
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 you terminate your employment. With interim accident insurance you can extend your accident insurance under the Federal Act on Accident Insurance (UVG) by up to 6 months.
