03. who and what is covered by accident insurance?

All employees in Switzerland Employees are insured against accident.

• You work eight hours or more per week with an employer: Then you are insured against occupational accidents and against so-called non-occupational accidents (accidents on the way to work and during leisure time).
• You work less than eight hours per week with an employer: Then you are only insured against occupational accidents and against accidents on the way to work. For accidents in your free time (e.g. in the household), you must take out accident insurance with the health insurance company.
• Unemployed persons, who are entitled to unemployment benefits are compulsorily insured.

Not insured are persons who are not gainfully employed, e.g. housewives and househusbands, children, students, pensioners or unemployed persons who have been taxed out. These persons are required to take out accident insurance with the health insurance company.

This is how you proceed in the event of an accident: Always report the accident immediately to your employer or health insurance company. You can obtain the form for this from your employer or your health insurance fund.