Reporting an accident
The most important thing after an accident is to get better as quickly as possible. But it’s just as important to quickly report the accident – whether it happened in Switzerland or abroad. Use the accident form for this.
Who should I report the accident to?
- If you work more than eight hours per week for the same employer, you are insured against both occupational and non-occupational accidents through that employer’s accident insurance. If you have an accident, inform your employer immediately.
- Children, unemployed persons and pensioners have accident cover under their health insurance. You can report the accident using our online form.
- If you are self-employed, report the accident to your accident insurer.
- If you are unemployed and receiving unemployment benefits, you’re automatically insured against accidents by Suva. If you have an accident, inform your local unemployment insurance office.
Report accidents online
You can easily report an accident in Switzerland online. The same goes for accidents that have caused tooth damage. Log in to your account via the myHelsana client portal or using your insurance number.
Get moving faster with myHelsana
Do you know about myHelsana? With the client portal, you can take care of all your health insurance matters conveniently from anywhere.
Report accidents by post
Please complete and sign the documents and send them to:
Helsana Insurance Company Ltd
Customer Service
PO Box
8081 Zurich
Accidents abroad: what you need to do
If you have an accident abroad, we need to receive the form "Enquiry regarding accident or illness during a stay abroad". Complete and sign this form and send it to us by post.
Accident-related tooth damage: what you need to do
If you have an accident that causes tooth damage, contact your dentist as soon as possible. Your dentist will complete the "Tooth damage: findings/cost estimate (KVG)" form and send it to us along with the associated documents. Only then will we be informed of the incident and any accident-related tooth damage can be assessed.
If the accident was caused by food, we ask that you also complete the "Questionnaire relating to tooth damage in connection with food".
Important information about reporting accidents
Yes, tick bites and wasp stings are considered accidents.
Yes, if the accident is covered by the basic insurance policy, you will be billed for your share of the costs. The Swiss Federal Health Insurance Act stipulates that, in the event of an accident, compulsory health insurance covers the same benefits as for illnesses.
Recourse is the right to claim compensation. To be precise, it relates to the right to claim back the cost of services provided (treatment costs) or the uncovered costs (uninsured benefits) directly from the party that caused the accident or from their liability insurance.
If the accident is covered by the basic insurance policy, you will be billed for your share of the costs. However, you can reclaim the uncovered costs directly from the liable party or their liability insurance (direct damages).
Whether you're deep-sea diving, skydiving or motorbike racing: hazardous behaviour refers to actions that expose you to great danger and are therefore very risky. Suva has compiled a list of all the activities that are considered hazardous.
Yes, in some cases, your benefits will be reduced. In the case of
supplementary insurance, benefits are excluded for any illness or accidents caused as a result of hazardous behaviour. You can find more information in the general insurance conditions for supplementary insurance policies.
Do you have questions?
We're here to help.