Mandatory accident insurance
Salaried Swiss workers (including apprentices, volunteers and home workers) are required by law to be insured against accidents. This insurance includes occupational accidents, non-occupational accidents and occupational illnesses. It is the responsibility of the employer and includes the following:
Care benefits and reimbursement of expenses
- Medical treatments
- Expense reimbursement
- Material damages
- Travel, transport and rescue costs
- Conveyance of the body and funeral costs
Cash benefits
- Daily allowances
- Disability rent
- Allowance for adverse effect on bodily health
- Disability allowance
- Survivor pension
The employer must establish a payroll along with the pension benefits, distinguishing men and women, people who travel less than 8 hours per week, people doing secondary activities and renouncing accident insurance.
The full cost of premiums (occupational and non-occupational accidents) is due by the employer. Premiums for non-occupational accidents can be deducted entirely or partially from the salary of the worker.
Where there is an occupational accident or illness of a worker, it is the employer's responsibility to inform the insurer and supply all the data surrounding the accident to the insurers. The daily allowance can be paid either by the employer (intermediary) or the insurer.
Coverage is required by law to take effect the instant the worker starts working and ceases to continue once the working relationship has been terminated.
