Accident insurance covers accidents occurring in the workplace and diseases caused by working conditions. It also covers non-work accidents if the employee works for at least 8 hours per week.
Accident insurance is part of the Swiss social security system. It is compulsory for employed people and optional for the self-employed.
Depending on your job category, accident insurance is provided by the Swiss Accident Insurance Fund or by other authorized funds. Premiums are fixed in thousandths of insured income and vary according to the type of employer. The part of the premium that covers work accidents and occupational diseases is paid by the employer, the part covering non-work accidents by you.
Accident insurance covers medical care and medication prescribed in the case of accidents at work and outside work and for occupational diseases. In the case of total invalidity the insured person receives an indemnity corresponding to 80% of the insured salary; the indemnity is reduced in case of partial invalidity.
A daily allowance cannot be claimed if a pension is being received. The insured income is the last salary paid to the employee before the accident occurred, with a maximum limit of CHF 106,800 per year.