Offers from AXA Switzerland Insurance and services for Ukrainian refugees

Household contents: Refugees in host families are coinsured
Legal advisory: Free information regarding legal matters
Information can also be provided in Ukrainian and Russian
TO THE OFFERS

AXA Switzerland is supporting refugees who have had to leave their home in Ukraine because of the invasion and come to Switzerland with quick and unbureaucratic insurance and services free of charge.  Host families can also contact AXA if they take in refugees and would like to coinsure additional persons in their household for free.

Information, questions, and answers regarding insurance and offers relating to the current situation can be found on this page, which is updated regularly. 

Insurance for refugees in Switzerland

AXA is offering refugees and their Swiss host families assistance in various areas – so that they don’t also have to deal with insurance issues in their time of crisis. 

Household contents and personal liability insurance

You have a household contents insurance policy with AXA (household contents and/or personal liability) and would like to take Ukrainian refugees into your home? Then simply report your guests to AXA and they will be coinsured free of charge:

  • With the household contents insurance, all items that a refugee brings with them to Switzerland are insured – even if something is lost or stolen.
  • With the personal liability insurance, loss or damage that someone accidentally causes to another person or if someone damages third-party property is covered.

Both types of insurance run automatically through the insurance policy of the host family as long as the refugees live in the same household.

Here's how it works: Report all the names of the refugees you have taken into your home to your AXA advisor. We will then send you a confirmation.

Free legal advice

Do you have legal questions regarding taking in refugees in private households, the laws in Switzerland, or on employment law? AXA-ARAG legal protection insurance is happy to help support you with free legal advice – for refugees as well as for host families and others who would like to help. You can either use the form or submit your query via WhatsApp

Protection for tenants

You have liability insurancefrom AXA and would like to let refugees live in your apartment or house (regardless of whether it is rented or owned) while you live somewhere else? If so, you and your guest don’t need to worry if any minor damage is caused:

  • Damage caused by the tenant is automatically insured – for example, if children leave a stain on the carpet or damage the bathtub.
  • If a household contents and/or liability insurance policy has been taken out for the location, then this also covers refugees who live there.

This insurance also runs through the policy of the host.

Here's how it works: Report all the names of the refugees you have taken into your home to your AXA advisor. We will then send you a confirmation.

  • Teaser Image
    Legal questions on refugees and host families

    Many people in Switzerland are offering up their private rooms or apartments. We have answers to key legal questions about taking in refugees from Ukraine.

    To the blog

Frequently asked questions

  • How are Ukrainian refugees insured in Switzerland in general?

    With the protection status S, Ukrainian refugees in Switzerland automatically receive health and accident insurance. Depending on the canton, the responsible authorities also offer access to liability insurance, but this is not obligatory.  AXA offers refugees and their host families extensions in coverage for household contents and personal liability insurance, which means the guests are automatically coinsured in the primary policy. 

    Ukrainians can register after arrival at a federal asylum center and submit an application there for protection status S. In doing so, they are registered retroactively by the canton for obligatory health insurance as of the point the application was submitted. 

    Refugees who are employed automatically receive accident insurance through their employer. Companies that employ Ukrainian refugees must take out mandatory accident insurance to insure them against accidents as required by law. If a Ukrainian refugee is employed for more than 8 hours per week on average, then they are automatically also insured against non-occupational accidents. As a result, the accident coverage can be excluded from the health insurance coverage.

    If there is a mandatory accident insurance policy for all employees, then Ukrainian refugees are generally also covered by this. The same applies in cases of any supplementary accident insurance in place (supplement to mandatory accident insurance).

  • How are Ukrainian refugees insured if they borrow the car of their host family?

    In general, the same contractual conditions of the motor vehicle insurance apply to all drivers of the insured vehicle provided that the driver has a valid driver’s license. Foreign driver’s licenses are valid if they are in an international format or a translated version is available and if the driver has not been in Switzerland for more than 12 months (after that time, a Swiss license is required; see also the website of the federal government). What is still owed are the deductibles and loss of bonus (if this is stipulated in the contract). 

  • How are Ukrainian refugees insured if they fled to Switzerland with their own car?

    Ukraine is a part of the so-called green card agreement. People who travel to Switzerland from Ukraine must have an international insurance card (previously green card) with them confirming that liability insurance with sufficient coverage is in place for their vehicle. If they do not have this card, then they must take out frontier insurance for the liability when they enter the country. If a foreign vehicle has a loss or damage event with a vehicle insured in Switzerland, then the Swiss National Bureau of Insurance is responsible for conducting the clarifications. If the foreign vehicle is not insured, then the National Guarantee Fund of Switzerland bears the cost of the damage. Accidental damage insurance, on the other hand, is not obligatory.

    AXA Switzerland cannot issue an international insurance card (formerly green card) for foreign vehicles. It is only possible if your vehicle is insured with AXA. In this case, you can apply for an insurance card on this website. If your vehicle is insured with another insurance company, you can apply for an international insurance card (green card) with that insurer.

  • Do I as an employer need special insurance policies if I hire a Ukrainian refugee?

    If a group daily benefits insurance policy is in effect for all your employees, then Ukrainian refugees would normally have automatic coverage.  As a rule, if a daily benefits insurance policy from AXA has been taken out, new employees do not need to fill out a health questionnaire.

    A company that employees a Ukrainian refugee does not need to take any further steps for general commercial liability insurance or professional liability insurance. In other words, the refugee is considered to be a normal employee who is covered by the insured company for their employment activity.

  • Are Ukrainian refugees automatically affiliated with an occupational benefits insurer if they find a job in Switzerland?

    People with protection status S who work are mandatorily insured with the AHV (Old Age and Survivors' Insurance) and subject to occupational pension provision as defined in the BVG (see the informational brochure of the State Secretariat for Migration SEM for foreign citizens regarding social insurance for stays in Switzerland and upon departure).

    Refugees can therefore be registered with the occupational benefits insurance exactly as other employees. You can contact one of our advisors if you have any questions.

  • Teaser Image
    Employing Ukrainian refugees

    Employment contract, permits, protection against termination: What legal aspects should employers in Switzerland know if they hire Ukrainian refugees?

    To the blog article

Further information and points of contact

Contact & Advice

Do you speak Ukrainian or Russian and have questions regarding the services on this page or other insurance topics? If so, contact us in writing by email at ukraine@axa.ch. The following AXA advisors also speak Ukrainian and/or Russian and can also answer your questions over the phone. 

AXA & You

Contact Report a claim Broker Job vacancies myAXA Login Customer reviews Garage portal myAXA FAQ

AXA worldwide

AXA worldwide

Stay in touch

DE FR IT EN Terms of use Data protection / Cookie Policy © {YEAR} AXA Insurance Ltd.

We use cookies and analysis tools to improve your user experience, to personalize advertising by AXA and our advertising partner companies, and to provide social media functions. Unfortunately you cannot change your cookie settings via our Cookie Preference Center if you use Internet Explorer 11. If you would like to change your settings, please use an up-to-date browser. By using our website with this browser, you consent to the use of cookies. Data protection / Cookie Policy