Accident insurance according to UVG
According to the Swiss Accident Insurance Act UVG, all employees working in Switzerland are insured against accidents and occupational diseases.Anyone who works at least 8 hours per week for the same employer is also insured against non-occupational accidents.
Anyone who is gainfully employed and works more than 8 hours per week is automatically insured against accidents by the employer. Accident protection includes occupational accidents (OA) and non-occupational accidents (NIA). Under the Federal Law on Accident Insurance (UVG), employers are required to take out mandatory accident insurance for their employees.
As an employee, it therefore makes no sense to take out accident insurance with a health insurance company, as you are already insured for occupational and non-occupational accidents through your employer. In addition, the insurance coverage under UVG is better than the basic insurance under KVG. Insured persons who are covered by accident insurance under UVG do not have to bear any costs in the event of an accident. In the event of a serious accident, UVG-insured persons can also receive higher compensation, higher pensions and better benefits compared to KVG insurance. The fact is that health insurance does not pay pensions in the basic insurance.
Accident insurance for employees
Anyone who is gainfully employed and works more than 8 hours per week is automatically insured against accidents by the employer. Accident protection includes occupational accidents (OA) and non-occupational accidents (NIA). Under the Federal Law on Accident Insurance (UVG), employers are required to take out mandatory accident insurance for their employees.
As an employee, it therefore makes no sense to take out accident insurance with a health insurance company, as you are already insured for occupational and non-occupational accidents through your employer. In addition, the insurance coverage under UVG is better than the basic insurance under KVG. Insured persons who are covered by accident insurance under UVG do not have to bear any costs in the event of an accident. In the event of a serious accident, UVG-insured persons can also receive higher compensation, higher pensions and better benefits compared to KVG insurance. The fact is that health insurance does not pay pensions in the basic insurance.
Accident insurance for self-employed
According to UVG, self-employed persons are not obliged to take out accident insurance. If you do not have UVG-compliant accident insurance for a self-employed activity, you must take out the corresponding accident insurance in accordance with the KVG with the health insurance company. The cost of compulsory accident insurance provided by health insurers is relatively low, but coverage in the event of an accident is limited.
