Accident Insurance (UVG) Explained: Who Is Covered and for What
Occupational and non-occupational accidents, daily allowances and what to do when you change jobs.
5 min read · Insurance & Health
Employees in Switzerland are insured against accidents through their employer.
What is covered
- Occupational accidents and diseases, paid by the employer.
- Non-occupational accidents when you work at least eight hours a week, usually paid by you.
- Medical costs, daily allowance of about 80 % of insured salary and pensions for permanent damage.
- Insured salary
- Uninsured salary above cap
Example with default values. Open the calculator →
When you stop working
Cover continues for 31 days after employment ends. If you take unpaid leave or are between jobs, you may need to add accident cover to your health insurance.
High incomes
The insured salary is capped. Check what your employer's supplementary cover offers above it with the accident insurance calculator.