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.
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UVG |
UVG-Z |
Medical expenses insurance |
- Hospital stay in general ward
- Medication
- Follow-up and spa treatment
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- Treatment in the semi-private or private hospital ward
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Daily benefits
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- 80% in daily benefits as of the third day
- Pension: 80% of the UVG salary
- Helplessness compensation
- Surviving dependants’ pensions in case of death
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- 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
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Lump-sum benefits |
- Impairment compensation (lump-sum)
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- Additional disability or death lump sums
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