FAQ – corporate
SWICA supports companies of all sizes with comprehensive, industry-specific solutions. From attractive health and accident insurance solutions to targeted (preventive) healthcare programmes, SWICA offers products that are tailored to specific employees and organisations. Companies benefit from effective care management, digital services and sound advice. In this way, SWICA makes a lasting contribution to the health of the workforce and ensures that they are able to perform at a high level in the long term.
FAQ: overview
Daily allowance and accident insurance
In the case of voluntary allowance insurance (KTG) in Switzerland, it depends on who takes out the insurance and how it is regulated in the (collective) employment contract:
Taken out by employer:
The premiums are usually shared between the employer and the employee. It is often the case that the parties each pay 50%, but different divisions are also possible.
Taken out by employee (e.g. freelancers):
The premiums are paid in full by the freelancer or person not subject to mandatory insurance.
The way in which accident insurance (UVG) premiums are paid depends on the type of accident insurance:
Occupational accident (OA) insurance, which covers accidents that occur at work, is paid for in full by the employer.
Non-occupational accident (NOA) insurance, which covers accidents outside of work, is usually paid for by the employee. The premiums are deducted directly from the employee’s salary.
In Switzerland, a distinction is made between mandatory (UVG) and voluntary (UVGZ) accident insurance. Workers are generally insured against occupational and non-occupational accidents through their employer. Private accident insurance providers offer additional cover for the unemployed or to supplement statutory cover – for example for treatment costs, daily allowance or lump-sum benefits in the event of disability.
The KTG deduction is the employee’s contribution towards the premiums for daily allowance insurance (KTG) and is deducted directly from their gross salary. Employers and employees often share the costs.
Daily allowance insurance covers part of an employee’s salary if they are off work for an extended period due to sickness.
A UVG contribution is a contribution towards accident insurance. The UVG contribution is a form of insurance that protects employees and employers against the financial consequences of accidents. The UVG contribution is usually shown as a deduction on the salary statement.
A distinction is made between occupational accident (OA) insurance, which is usually paid for in full by the employer, and non-occupational accident (NOA) insurance, which is usually financed by the employee by means of a deduction from their salary.
Supplementary UVG insurance is a voluntary addition to mandatory accident insurance (UVG).
It offers
- better protection for higher incomes
- better hospital benefits, such as treatment on a private or semi-private ward
- more substantial allowances, such as 90% or 100% salary replacement
- supplementary lump-sum or pension benefits, for example in the event of disability or death
- a free choice of doctor or hospital, better benefits abroad and additional benefits such as domestic help or rehabilitation services
Voluntary, supplementary UVG insurance is often taken out and paid for by the employer, but the cost can be shared between the employer and the employee.
Accidents should be reported to the accident insurance provider immediately if possible, or within a few days at the latest. The earlier it is reported, the easier it is to process the benefits. Late reporting may lead to delays or, in individual cases, reductions in the benefits paid out.
All employees in Switzerland are subject to mandatory accident insurance. This includes everyone who is employed by an employer, regardless of their age or workload.
Occupational accidents (OA): All employees are subject to mandatory insurance against occupational accidents.
Non-occupational accidents (NOA): Anyone who works at least eight hours per week for the same employer is also insured against non-occupational accidents.
Another important point:
- Unemployed individuals are also subject to mandatory accident insurance (through unemployment insurance).
- Self-employed people are not subject to mandatory insurance, but can take out insurance voluntarily.
- People not in gainful employment (e.g. children, students and pensioners) are generally insured against accidents through their health insurance, provided accident cover is included.
This ensures that most of the Swiss population has mandatory accident insurance.
