Compulsory insurance cover for employees and self-employed persons in Switzerland
Comparison of accident insurance
With accidence insurance, a distinction is made in Switzerland between cover under the Swiss Federal Law on Health Insurance (KVG) and under the Swiss Federal Law on Accident Insurance (LAI). Insurance against accidents is compulsory for persons who have their place of residence in Switzerland. Compare the top providers for the right accident insurance at insurando today.
Good to know
- Under the LAI, employees must be insured by their employer against accidents if working time exceeds eight hours per week.
- Under the KVG, self-employed persons are required to take out accident insurance with their health insurance fund.
- Accident insurance is compulsory in Switzerland for children and adults.
Accident insurance for employees
Persons who are in an employment relationship and work more than eight hours per week are automatically insured by their employer against accident. Accident cover includes occupational accidents and non-occupational accidents. Pursuant to the Federal Law on Accident Insurance (LAI), the employer is required to take out compulsory accident insurance for employees.
As an employee, it makes no sense to take out accident insurance with your health insurance fund, since you are already insured through your employer against occupational and non-occupational accidents. In addition, insurance cover under the LAI is better than that under the KVG in the case of basic insurance. In addition, insured persons with accident insurance under the LAI are not required to pay a deductible in the event of an accident. Furthermore, in the event of serious accidents, persons insured under the LAI receive larger indemnities, higher pensions and better benefits that with cover pursuant to the KVG. In fact, health insurance funds do not pay any pensions in basic insurance.
Accident insurance for self-employed persons
Self-employed persons are not required to take out accident insurance pursuant to the LAI. If in the case of self-employment, no accident cover exists pursuant to the LAI, corresponding accident insurance pursuant to the KVG must be taken out with the health insurance fund. Although compulsory accident insurance from the health insurance fund is less expensive, cover is limited in the event of an accident. At insurando, you will find the right personal accident insurance through a personal consultation or a comparison so that you also get the benefits you need in the event of an accident.
Only if you are not employed at a company and do not have any accident insurance. If you are employed at a company, your employer must insure you against occupational and non-occupational accidents if you work more than eight hours per week.
Military insurance pays the accident cover if the service lasts longer than 60 days.
- Free choice of doctor and hospital
- 2-bed room / 1-bed room
Yes, your employer is allowed to deduct 100% of the premiums for non-occupational accidents from your pay.