Accident Insurance Switzerland 2026
Protection against the financial consequences of accidents. Whether at work or during leisure time – we find the right coverage for you.
Optimal Protection for Accidents – Private and Professional
An accident can change your life from one day to the next. While employees in Switzerland are mandatory insured through their employer (UVG), gaps in coverage often exist, especially for high incomes or the desire for private hospital accommodation. For the self-employed, homemakers, retirees, or children, accident coverage must be arranged individually – usually through the health insurance or a private accident policy. A good accident insurance covers not only medical costs but also pays daily allowances or pensions in the event of disability.
- ✔ Medical Costs: Worldwide coverage of medical and hospital expenses after an accident.
- ✔ Continued Salary Payments: Daily allowances to secure the standard of living during loss of earnings.
- ✔ UVG Supplement: Additional benefits for hospital stays (Semi-private/Private).
- ✔ Disability Capital: One-time lump sum payment in case of permanent physical damage.
- ✔ Rescue Costs: Coverage of rescue and search operations locally and abroad.
Important Questions About Accident Insurance
Yes, if you work more than 8 hours per week for the same employer, you are mandatory insured against both occupational and non-occupational accidents (NBU). If you work less than 8 hours, you are only covered for occupational accidents.
Homemakers, children, students, and retirees must include accident risk in their mandatory health insurance (basic insurance). However, benefits there are limited to medical treatment costs.
Mandatory insurance only covers salaries up to a maximum of 148,200 CHF. A supplement covers higher salaries and often provides benefits like private hospital wards for employees.
An accident is a sudden, unintentional, harmful impact of an unusual external factor on the body. Legally, almost everything else is considered an illness, which falls under other insurances (KTG).
Yes, the benefits of Swiss accident insurance apply worldwide, although cost guarantees abroad are often limited to twice the amount of Swiss costs.
Individual Solutions for Every Need
Choose the appropriate type of accident coverage based on your life situation.
UVG for Businesses
Statutory insurance for your employees including non-occupational accident handling.
Get a QuoteUVG Supplementary
Higher coverage sums and more comfort in the hospital for management and specialists.
Get a QuoteIndividual Accident Protection
Solutions for the self-employed or supplements to basic health insurance coverage.
Get a QuoteSafe After Every Fall
An accident is unpredictable, but financial security shouldn't be. Compare the best offers now.
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