As a company or private household with employees, insuring your staff against accidents and occupational illnesses is mandatory. With Zurich's accident insurance pursuant to LAI, you act in a legally compliant manner and also benefit from additional advantages. For even better protection, we recommend the supplementary LAI accident insurance (UVG-Z).
What does the accident insurance cover?
Accident insurance benefits pursuant to the LAI are regulated by law. This is often taken out in combination with supplementary LAI accident insurance (UVG-Z). This supplementary insurance pursuant to the ICA offers more flexibility, provides additional benefits and therefore increases your attractiveness as an employer.
LAI * | UVG-Z * | |
|---|---|---|
| Medical expenses | ||
Outpatient treatment | We pay for the restoration of your systems and data. | |
Inpatient treatment (hospital and spa stays) | General ward | Semi-private or private ward |
Aids that replace a body part or a body function | Costs in excess of LAI | |
Rescue and recovery measures and search operations | Costs in excess of LAI | |
| Daily allowance in the event of inability to work | ||
Insured salary | up to CHF 148,200 | Surplus salary ** |
Waiting period | 2 days | Can be selected as desired |
Salary in the event of complete inability to work | 80% | 90-100% for the LAI maximum salary |
| Benefits in the event of disability | ||
Disability pension | Surplus salary ** | |
Amount of pension in the event of full disability | 80% of the insured salary | Surplus salary ** |
Allowance for physical and mental impairment | Surplus salary ** | |
Lump-sum disability benefit | ||
| Death benefit | ||
Survivors’ pension | Surplus salary ** | |
Amount of pension | 70% of the insured salary for all claimants together | Surplus salary ** |
Lump-sum death benefit | ||
| Differential accident coverage (LAI) | ||
Differential accident coverage (LAI) | Inclusion of gross negligence and hazards | |
** Surplus salary: Share of the salary that exceeds the LAI maximum salary (CHF 148,200) |
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Is this insurance mandatory?
Yes, according to to the Swiss Federal Law on Accident Insurance (LAI). Exempt from it are self-employed (not mandatory for them).
Do all employees have to be insured?
How and how many employees are to be insured is up to you. However, it has to comply with the working rights criterias.
Are non-occupational accidents also insured?
If you have employees who work for less than eight hours per week, these individuals are only insured for occupational accidents (non-occupational accidents are not insured).
Who can be insured?
Company owners, family members who work for the company, as well as any employee.
Who can contract a group accident insurance?
Small and Medium Businesses, as well as freelancers.
What does accident insurance cost?
- 650 *
premium in CHF - 50‘000
average payroll in CHF - 1-9
number of employees
* This value is a calculation based on data at Zurich and is therefor indicative, without contractual or official validity.
Are the premiums paid by me tax deductible?
Yes, they can be considered as operating costs.
What does accident insurance cover?
Accident insurance assumes the obligation to continue to pay wages, which obliges companies to continue to pay employees who are unable to work due to an accident.
It covers costs in the case of work-related and non-work-related accidents if the employee works more than 8 hours a week.
Why do I need accident insurance?
Employers in Switzerland are obliged to continue paying 80% of their wages in the event of an accident leading to incapacity for work.
Accident insurance exempts you as an employer from this obligation.
Zurich's accident insurance not only meets the legal requirements (according to UVG) but also enables you to close any gaps and increase the limit of the covered salary by means of supplementary insurance.
What if I can't find the product I want online?
Some insurance solutions are not yet available on our platform.
After purchasing your insurance solution online, you will be assigned to an agency. Your personal advisor will then be able to advise you and offer you further products.
Can the start date of a policy be in the past?
Yes.
What happens if I don't get a price displayed after the online offer process?
There may be several reasons for this, but it does not mean that Zurich cannot make you an offer.
Our agents will contact you, discuss your case with you and take appropriate action.
What are the advantages of being professionally insured against accidents at Zurich?
Taking out this insurance with Zurich has the following advantages:
- Zurich is a renowned international insurance company.
- Zurich offers a wide range of insurance solutions
- Zurich is one of the world's largest insurers. The security you receive from us as a customer is correspondingly high for you.
- At Zurich, they are looked after by a customer advisor.
- Your customer relationship is therefore based on a personal relationship.
- Zurich guarantees flawless claims processing.
- Zurich offers a good price/performance ratio
- Due to the dense agency network, we are always personally available for you.
(in case you should move, for example.)
What are the advantages of being professionally insured with Zurich against accidents by means of supplementary insurance?
Taking out this insurance with Zurich has the following advantages:
- This supplementary insurance covers supplements to the UVG benefits that are tailored to your needs.
- Compensation for the obligation to pay wages for incomes above the UVG wage maximum
- Extra-mandatory benefits
- Wage compensation for UVG cuts
- private ward and private clinics worldwide
- Equal treatment of the cohabiting partner
- In the event of death, an immediate lump-sum payment is made / the surviving dependents immediately have cash and do not have to wait for the decisions of the social insurance funds first.
