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Accident insurance

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

UVG – compulsory accident insurance

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.

UVG-Z – more than the law requires

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

    UVG UVG-Z
Medical
expenses
insurance
  • Hospital stay in general ward
  • Medication
  • Follow-up and spa treatment
  • Treatment in the semi-private or private hospital ward
Daily
benefits

  • 80% in daily benefits as of the third day
  • Pension: 80% of the UVG salary
  • Helplessness compensation
  • 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
Lump-
sum
benefits
  • 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.


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Accident reporting

Please use our online application to report any accidents.

Report an accident