Health insurance with accident coverage Mandatory basic health insurance covers treatment costs in case of illness and accidents. The policyholder has the right to treatment, food and a bed in a general ward in the closest hospital. If emergency treatment abroad is necessary, basic health insurance will cover up to twice the amount the same treatment would have cost in Switzerland. Tip for employees: Buy health insurance without accident coverage and lower your premiums! If you work for the same employer for at least 8 hours per week, you are automatically entitled to accident coverage as stipulated by law. This means you can buy health insurance without accident coverage with a clear conscience. Depending on your provider, your premium rates will decrease by up to 10%. Accident coverage provided by employers covers accidents that happen both inside and outside of work. As soon as such coverage no longer applies, policyholders must notify their provider. Then accident coverage will be reactivated and premiums will rise back to their original level. If you receive daily compensation for salary loss, SUVA will provide you with accident coverage. Note: Accident coverage provided by employers offers far more protection than coverage provided by basic health insurance. Health care costs arising from accidents are not liable to deductible rates or retention. There is also further coverage for serious accidents such as a daily allowance for salary loss, disability pensions and even pensions for relatives in case of death. When must employees buy supplementary health insurance with accident coverage? If you want the right to semi-private or private hospital treatment after an accident, you must buy supplementary insurance with accident coverage if your employer does not provide his employees with such coverage. If you have the need for outpatient therapy after an accident in certain areas not covered by basic health insurance, such as psychotherapy or naturopathic treatment, you will need to buy supplementary outpatients' health insurance with accident coverage if this is not already provided by your employer.