Information for brokers

If you're a broker, you're your corporate clients' insurance expert.

You help these firms choose the insurance solutions that are best suited to their needs. By doing that, you play a vital part in enhancing the quality of customer care – and that makes you a vital sales partner for us. Brokers' provision of professional customer service is a cornerstone of our corporate strategy.

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Compulsory accident insurance – payment in instalments

The premiums for compulsory accident insurance are generally paid in advance for the entire financial year. The Accident Insurance Ordinance (UVV), however, allows for the option of paying premiums in half-yearly or quarterly instalments against payment of a surcharge.

Since the last revision of the UVV, the situation regarding interest rates in Switzerland and worldwide has altered considerably. For this reason, the Federal Council decided in June 2022 that the surcharges would be greatly reduced from the beginning of 2023 as part of an amendment to the ordinance. The considerable reduction of the surcharge will relieve the burden on employers who are not able to pay their insurance premiums for the whole year in advance.

The surcharge on instalment payments is currently based on an annual interest rate of 5%. With the amendment to the regulation, it corresponds to an annual interest rate of 1%. At the start of 2023, the surcharge for premium payments in instalments will therefore be 0.25 per cent instead of 1.25 per cent for half-yearly premium payments and 0.375 per cent instead of 1.875 per cent for quarterly premium payments. Helsana will reduce the surcharges on instalment in the same way for supplementary accident insurance.

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