These laws apply to accident coverage from private providers and to SUVA. Premiums for insurance covering accidents occurring at work and illness due to work must be paid by the employer. Premiums for accidents outside of work must generally be covered by employees themselves. Employers pay all insurance and deduct premiums from wages for accidents outside the workplace. Therefore, such mandatory insurance covers accidents occurring both in and outside of work. If you work for the same employer for at least 8 hours a week, you will automatically have such coverage. This means you can buy health insurance without accident coverage. This will lower your premiums by up to 10%. As soon as accident insurance is no longer provided by your employer, you must notify your health insurance provider so that he can reactivate your accident coverage. Your premiums will then rise and you will be covered according to legal health insurance regulations. SUVA provides accident coverage for those on welfare. Worth knowing: Accident coverage provided by employers offers far more than health insurance accident coverage. Resulting costs are not liable to a deductible rate or retention. Coverage also includes compensation for salary loss, irreversible damage and pensions for relatives in case of death. legal text