Compulsory accident insurance (UVG) gives you and your employees a legally required minimum of protection against the financial consequences of an accident or occupational illness. Take out supplementary accident insurance, and you get more insurance benefits and can offer your employees some attractive extras too.
Insurance obligations and options in the event of an accident
||Compulsory insurance obligation
||Voluntary insurance option
While the benefits under compulsory accident insurance (UVG) are fixed, employers can decide for themselves what the benefits under voluntary supplementary accident insurance should be. Example: Employees who have had an accident continue to receive 80% of their pay under compulsory accident insurance; you can take out voluntary insurance to cover the shortfall.
Compulsory accident insurance
The benefits from the accident insurance (UVG) required by law cover the treatment of those affected as an outpatient or as an inpatient on a general (multi-bed) hospital ward. The insurance also covers 80% of their wages in the medium term, and pensions equivalent to 80% of their insured income in the longer term. The maximum insurable salary is CHF 148,200, and employees who earn more than that have to expect to lose out more financially.
More details on compulsory accident insurance
Supplementary accident insurance
By taking out supplementary accident insurance, you can give any employees who have fallen ill or had an accident more support than the law requires – not only by continuing to pay them their full salary, but also by enabling them to be treated in a semi-private or private hospital ward or arranging for the paying out of lump sums in the event of disability or death. The choice of benefits is entirely yours, and you can also combine them as you wish. The better the benefits, the clearer your profile as an employer people will be keen to work for.
More details on supplementary accident insurance