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.
Overview of UVG and UVG-Z
|Medical expenses insurance||
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)