Accident insurance covers the costs of medical treatment following an accident. It also pays a daily allowance (wage replacement) in the event of temporary incapacity to work or pension benefits in the event of permanent incapacity and death.
All employees in Switzerland Employees are automatically insured against accidents by the employer.
- 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, for example housewives and househusbands, children, students, pensioners or unemployed persons who have lost their jobs. These persons are required to take out accident insurance with the health insurance company.
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