Employee accidents can result in significant costs. SWICA's insurance solutions (UVG / UVG supplement) provide your employees with comprehensive and reliable cover in the event of accidents or occupational illnesses.
Accident: The best possible cover whenever you need it
As an employer, you are required by the Federal Accident Insurance Act (UVG) to insure your employees against accidents and occupational illnesses. The UVG insurer covers the statutory costs for treatment in the general ward of a hospital plus any follow-up and spa treatments. The same applies to the assumption of the cost of loss of earnings for employees who are unable to work due to an accident or occupational illness. Starting on the third day after the accident, the UVG insurer pays 80% of the salary up to a maximum of CHF 148,200.
It can be very expensive if an employee has an accident. The cost of hospital treatment, repatriation, therapy, loss of earnings, pension contributions and reintegration measures can quickly add up. The benefits paid out by compulsory accident insurance under the Accident Insurance Act (UVG) are limited. Supplementary accident insurance (UVG-Z) therefore offers additional benefits.
Hospital stay in general ward
Follow-up and spa treatment
Treatment in the semi-private or private hospital ward
80% in daily benefits as of the third day
Pension: 80% of the UVG salary
Surviving dependants’ pensions in case of death
Acts of daring included
Increase of daily benefits to 90% or 100% of the salary
Extended daily benefits to cover waiting days
Cover for salaries above the UVG maximum
Impairment compensation (lump-sum)
Additional disability or death lump sums
Advantages of accident insurance from SWICA
Securing the employer’s obligation to continue paying salaries and thus protecting employees and employers financially
Modular add-on options for statutory accident insurance cover (UVG)
Individually selectable waiting periods for daily accident benefits insurance
Advice, support and coordination by occupational health management specialists (performance management, customer visitors, care manager, prevention)
Would you like more information or a personal consultation? SWICA would be happy to talk to you with the aim of finding the right solution for you.