Accident insurance in Switzerland
Accident insurance covers the financial consequences of accidents and occupational illness. It is compulsory in Switzerland. According to Swiss law, an accident is defined as “an unusual external event causing sudden and unintentional harm to the human body leading to detrimental effects on physical, mental or psychological well-being or death”. Find out how to best protect yourself from unexpected medical bills.
Compare basic insurance including accident cover
If you are employed in Switzerland and work more than 8 hours per week for one employer, you will be insured against all accidents. People who are either unemployed or self-employed (and there is no industry solution with Suva) must take out accident insurance through their health insurer.
Compare basic insurance including accident cover
Whether you’re self-employed, a student or retired, it’s worth comparing your options. Find the right basic insurance deal including accident cover.
Where to take out accident insurance
Accident insurance benefits
Treatment costs and accident cover
Which treatment costs are covered by accident insurance? Is it better to have accident cover through your employer or as part of your health insurance? Find out what you need to know here.
Daily accident benefits
Did you have an accident and can no longer work? From the third day after the accident, you can receive daily accident benefits of 80% of your gross salary up to a maximum of 148,200 francs (as at 2021). This applies if you are totally incapacitated for work. If you are partially incapacitated, the daily benefits are reduced accordingly.
Reduced cover for extreme sports
Do you participate in any sports? Find out how to ensure you are also covered for sports accidents.
Cover while abroad
An accident can soon ruin the perfect holiday. Find out about cover for accidents abroad and how to avert a financial disaster.
Cover for Rega rescue costs
The cost of Rega rescue operations is not always covered by accident insurance or a supplemental health insurance policy. What you should watch out for.
