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.

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Where to take out accident insurance

Man at a construction site has an accident.

Extending cover with interim accident insurance

Thinking of quitting your job? Remember that your insurance cover for non-occupational accidents will lapse 31 days after your last working day. You can extend this cover by up to six months by taking out interim accident insurance.

Accident insurance through your employer

According to the Accident Insurance Act, employers must insure their employees against occupational accidents. If you are employed for at least 8 hours per week by one employer, you are also covered for non-occupational accidents.

Accident insurance through basic health insurance

If you are not employed, you must arrange accident cover via your basic health insurance provider. Self-employed people with no private accident insurance or Suva industry solution must also take out this cover as part of their compulsory health insurance.

Accident insurance through Suva

Unemployed people who are entitled to unemployment benefits are automatically insured against accidents through Suva. Are you self-employed? Depending on the industry, you may be able to take out an optional business insurance policy to protect yourself from the consequences of accidents.

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.