Incidentally, this category is also mandatory for all employees who work for eight hours a week at their employer. Good to know: In Switzerland, accident insurance ends on the 30th day after the last time employees were able to claim half their wages.
Who is covered by the policy?
Based on this, all employees in Switzerland are insured. In addition, this insurance coverage extends to apprentices, homeworkers, interns, volunteers, domestic workers, cleaning staff in private households and all those who work in disability and training workshops. The following groups of people are considered not insured:
- self-employed
- persons not in gainful employment, including housewives, housewives, children, pensioners, students, students
Those affected should take out private health insurance to cover accidents. After all, accident insurance is a policy that goes far beyond the basic insurance services of Swiss health insurance companies.
What is an accident in the insurance law sense?
When starting work, employees are automatically protected against accidents at work and occupational diseases via the accident policy. An accident is generally an unintended, sudden and damaging external effect on the body.
An important condition for the definition of an accident is the associated physical and / or psychological damage, which suffered as a result of the accident. For the UVG - accident insurance at the workplace - this means that an insured event occurs if the activity associated with the accident has been carried out on the instructions of the employer.
In Switzerland, this UVG protection also relates to accidents that occur during breaks or on the company premises. In addition to an accident at work, accident insurance also defines occupational diseases as an insured event. In this regard, it is inevitable that the occupational disease is related to the occupational activity. One possible cause is harmful substances that trigger the occupational disease.
Details on the contribution to accident insurance in Switzerland
In Switzerland, the UVG is fed by contributions paid by companies. However, if insured persons work for a company less than an average of eight hours a week, the companies also pay the associated premium.
In this case, however, the employee is responsible for paying the funds from this part of the accident insurance. The amount of this premium is based, among other things, on earnings.
Special regulations for people with low hours of employment
This group of people should also keep in mind that they are only covered against occupational diseases and occupational accidents through the company's own accident insurance. This in turn means that these workers have no automatic insurance cover for non-occupational accidents.
An overview of the scope of services provided by accident insurance
Accident insurance in Switzerland covers the healing costs for occupational and non-occupational accidents. The insurance companies also guarantee benefits such as pensions or daily sickness benefits. However, a maximum of CHF 148,200 is insured.
Accident insurance companies in Switzerland are therefore obliged to provide adequate treatment, unlimited in amount and duration. In detail, the policy therefore includes treatments by a doctor, dentist, chiropractor and in hospitals. The range of services also relates to the following services:
- dental treatments
- outpatient and inpatient treatments
- analyzes
- drug
- cures
- Remedies and aids.
The aim of all these services is to restore the body's functions that were lost as a result of the accident. Depending on the circumstances, it is also possible to provide the insured persons with loans on loan. In addition to these services, insurance companies provide financial support for transport and rescue costs as well as return transport and funeral costs for fatally injured people.
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