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.
There are sensible supplementary and combination options to mandatory accident insurance – including for you as the company owner. Check out the options available to you.
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:
This insurance is supplementary to the statutory benefits of mandatory accident insurance and offers you a needs-based, customized benefits package.
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:
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.
Most SMEs insure their employees against accidents and illnesses. Hence combined packages are also available from AXA allowing you to make considerable savings in both administration and premiums.
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.
Accident and health insurance for company owners
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.
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.