Accident

Who is covered?

All employees working in Switzerland are required by law to be insured against accidents, also including home workers, apprentices, trainees, volunteers, persons training or working in workshops for invalids, cleaning staff employed in private households.

Who is not covered?

Self-employed persons and persons who are not gainfully employed such as housewives and househusbands, children, students, and pensioners are not covered. People in these groups should obtain cover against accidents as part of their health insurance.

Important

If you do not have compulsory accident insurance, you will need to take out accident insurance with your health insurance. This will slightly increase your insurance premium. If you have an accident, your health insurance must then provide the same benefits as it would if you were ill. Please inform us early on so we can provide you with continuous insurance and protection.

If you work at least 8 hours per week, you are insured through your employer against work-related and non-work-related accidents under the Accident Insurance Law. If you have an accident, this insurance will provide benefits. If you are insured against occupational and non-occupational accidents with your employer, you can suspend the accident cover of the mandatory health insurance. Ask us for the accident cover suspension form or print it out.

Employed

If you have a job and work at least eight hours per week for the same employer, you are subject to compulsory insurance against both occupational and non-occupational accidents. Your employer's accident insurer will bear the treatment costs. Please inform your employer of the accident immediately. 

Coverage with KLuG

If you don't work or you work fewer than eight hours per week for the same employer, you must have the accident cover included in your basic insurance (compulsory healthcare insurance). The basic insurance pays for any treatment required as a result of an accident. Please use our online form to tell us about your accident at your earliest convenience, providing as much detail as possible.

Do I have to bear my share of the costs myself if I have suffered an accident?

Yes, if you have included the accident in your basic insurance policy (compulsory healthcare insurance). If the accident is covered by the basic insurance policy, you will be billed for your share of the costs. The basic insurance policy will cover the same benefits as illness.

Do I have to bear my share of the costs myself in the event of a liability case (recourse)?

Yes. By law, we are obliged to request that you contribute your co-payment (annual deductible and excess). We recommend that you claim these costs as direct damage from the responsible liability insurance company.