So you can get back on your feet quickly Private accident insurance

Private hospital accommodation worldwide
Medical Assistance benefits worldwide
Rescue and transportation worldwide
Key points at a glance
  • Worldwide coverage: With private accident insurance, you are protected in Switzerland and abroad against the financial consequences of an accident.
  • Contribution to high consequential costs: This insurance bears the costs of repatriation, hospital stays, or rehabilitation.
  • Childcare included: This insurance also provides you with support for childcare during a hospital stay.

Individual product details: benefits overview and contractual provisions.

The following benefits are insured

Our accident insurance offers broad coverage. Full information on benefits can be found in the benefits overview.

Rescue and transportation

A broken arm while climbing a via ferrata, a broken leg on the ski slopes, or concussion after falling off a ladder: Sometimes transportation to hospital isn't straightforward, or rescue and recovery is needed. In such cases, our accident insurance covers 100 percent of the costs in Switzerland. Outside of Switzerland, 100 percent of rescue missions and transportation is covered, along with up to CHF 20,000 per year for search and recovery missions. 

Hospital stay

In Switzerland our private accident insurance covers 100 percent of the costs of a private ward. In addition, we meet 100 percent of the costs of emergencies abroad and contribute to the costs of planned treatment abroad.

Support for you and your family

An accident doesn't just affect one person – it affects the whole family. That’s why we also help you with childcare costs during your hospital stay or if an insured child is in hospital because of an accident. We also contribute to the costs of house-minding during your stay in hospital, and to the cost of domestic help or care in the home.

Mental impairment

Whether because of the accident itself, its effects on everyday life, or even how to cope with disability: Sometimes it isn’t only physical impairments that need treating. Our accident insurance therefore also meets the cost of a stay in a psychiatric clinic or for non-medical psychotherapy.

Complementary medicine

Would you like to have complementary therapies or medicines to help your recovery following an accident? Our private accident insurance also contributes to these costs.

Switching service for basic insurance

You want to be optimally insured without paying too much? Then our switching service for basic insurance is perfect for you: Every year we evaluate basic insurance premiums on your behalf and present them to you in an easy-to-read format. You simply decide whether you want to switch, and to which company. We take care of everything else.

FAQ on private accident insurance

  • What is private accident insurance?

    By law, people who work in Switzerland are insured against occupational accidents and diseases. Anyone who works at least eight hours per week for an employer is also insured for non-occupational accidents. This also applies to people who are registered as unemployed in Switzerland.

    People who are not insured include children, students, homemakers, and pensioners. They are nevertheless subject to statutory accident coverage. They must also insure themselves against accidents via their compulsory basic health insurance.

    In both these cases, it is worth checking your insurance cover and the agreed sums insured. After all, an accident can result in substantial expenses and not every insurance policy protects you against these.

  • Who should take out private accident insurance?

    Basically, everyone. Because, regardless of whether you are insured against (occupational and non-occupational) accidents via your employer or have accident cover through basic health insurance, accidents occur unexpectedly and their consequences are generally very expensive. 

    Depending on your insurance cover and insurance conditions, further costs may arise for treatment or for additional services required during the recovery process that are not covered by your basic health insurance.

    In this case, private accident insurance can help, protecting you from the financial consequences.

  • What does private accident insurance cover?

    Disability

    In the event of disability or partial disability, private accident insurance covers medical expenses and stays in a rehabilitation clinic or a psychiatric hospital. We also meet the costs of medical equipment or medications prescribed by a physician (up to CHF 2,000 per year).

    Depending on the level of disability involved, other costs can be incurred, such as retraining or adaptations to your home or car. These costs are not covered by accident insurance. In this case, a Capital insurance policy for accidents can provide greater financial security.

    Rescue and transportation

    • Our insurance covers the full cost of rescue and transportation to a hospital within Switzerland
    • Outside of Switzerland, 100% of the cost of rescue missions and transportation is covered and up to CHF 20,000 per year for search and recovery missions

    Hospital stay

    • In Switzerland, our private accident insurance covers 100% of the cost of a private ward
    • Outside of Switzerland, we also cover 100% of the cost of hospital stays and a portion of the cost of planned treatments (CHF 2,000/day for a period of 60 days per year)

    You can find all the benefits provided by private accident insurance in our benefits overview.

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