As an employer, you're obliged to continue to pay at least 80% of an employee's wages from the day of their accident. They become entitled to benefits from compulsory accident insurance from the third day after the accident. That entitlement lapses once the employee is fully recovered and capable of working.
Situation with an accident insurance
Benefits from last salary in %
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Obligation to continue salary payments pursuant to UVG (payable by the employer) |
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Accident insurance (pursuant to UVG) from Helsana, compulsory for companies with employees (up to a salary of CHF 148,200) |
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Supplementary accident insurance (pursuant to VVG) from Helsana as additional cover |
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Social insurance |
What compulsory accident insurance offers your employees and their family members is financial security after an accident or in the event of disability or even death. It aims to secure their standard of living. The benefits are laid down by law and cover medical expenses, short- and medium-term loss of salary and long-term loss of earnings..
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Supplementary accident insurance enables employers like you to add modules to this compulsory accident insurance, and on all three levels: treatment, daily allowances and long-term loss of earnings. The possibilities are many and varied: you can, for example, insure lower wages more generously (100% rather than only 80%) or insure higher salaries above the CHF 148,200 limit imposed by the UVG on insurable earnings. You can also raise the level of accommodation in hospital not only for certain groups of employees but for all of them, from general to semi-private or private.
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