Accident insurance

Accident insurance covers all persons employed in Switzerland against accidents in the workplace, occupational illnesses and, in principle, against non-occupational accidents. Healthcare and ancillary needs (treatment, required medical aid, travel and transport costs) and payments (daily benefits allowance, disability pensions, settlements, lump-sum compensation and perpetual care benefits and survivors’ benefits) are all covered. The employer funds the premiums for occupational accidents and illness, while the employee pays the premiums for non-occupational accidents.

The employer must finance the entire premium amount, but part of this amount is deducted from the employee’s salary. The amount is based on the employee’s insured salary. The maximum insured salary is CHF 126,000 per year.