Personal Accident Insurance

Whether you injure yourself doing household chores or fall during a bike tour – accidents happen! The accident insurance prescribed by law is often not enough to protect you against all the financial consequences. Voluntary Zurich Personal Accident Insurance closes this gap.

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Insurance benefits

Optimum protection for you and your family, worldwide
Financial security in the event of loss of income
Financial support for long-term disability

In the event of death, Zurich supports the survivors in maintaining their usual standard of living
Students, children and young people enjoy lower premiums for accident insurance

Time out from your job or temporarily unemployed?

Are you planning a break, for example for unpaid leave? If you want to continue to be comprehensively protected in the event of an accident, the insurance by special agreement is the right choice for you. This allows you to extend your insurance coverage for non-occupational accidents, which you previously enjoyed via your employer on a compulsory basis, by a maximum of 6 months.

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More details

Personal accident insurance is worthwhile since it provides comprehensive protection in the event of accidents. Zurich Personal Accident Insurance is suitable as an enhancement to your mandatory accident insurance.

Payouts in the event of death or disability are not affected by benefits received from other insurers.

Accommodation and treatment in a private ward
No limits in terms of indemnity or timing
You don’t pay a deductible
Free choice of physician and hospital in Switzerland
Pays for emergency transport, rescue and recovery costs, and search efforts up to CHF 20,000
You can include outpatient service in your policy

Compensation paid upward of 25% disability
Zurich extends your benefits accordingly for partial disability
Full compensation upward of 66.66% disability

Hospital benefits for additional personal expenditure starting on the first day, with no time limit
Costs for home care personnel up to 50% of the insured hospital benefit, where this is done to avoid or cut short a stay in hospital

Income replacement
The amount paid out increases with the degree of disability (disability capital)
Financial support for remodeling homes or apartments to make them accessible for the disabled
Financial help with purchasing the necessary aids and appliances
Compensation for any care and support needed
Your choice of three benefit variants: Zurich pays up to 500% of the sum insured
Physicians (including dentists and veterinarians) can choose to insure higher benefits for a surcharge on their premium
In the event of death, the capital payment can be used as family care to safeguard credit, loans and mortgages

Further products and services

Travel Insurance

Whatever happens before and during your trip or when you’re home again, keep safe with Relax Assistance Travel Insurance.

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No short falls given loss of income

Maintain your standard of living even after an illness or accident. Protect your income in the event that you become disabled. Zurich EmploymentRisk is just the right solution for this.

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