Taking out interim accident insurance offers the following advantages compared to including accident cover in your health insurance:
No co-payments, i.e. no excess or deductible
Cover for treatment costs with no time limit in the general ward of a hospital (for treatment abroad, cover is limited to a maximum of twice the amount that would be reimbursed in Switzerland)
Free choice of doctor and hospital
Travel, transport and rescue costs (limited abroad to 29 640 francs)
Allowance of 80% from the third day (last insured salary, up to a maximum of 324.80 francs per day)
Pension benefits in the event of disability or death
Impairment compensation (lump sum payment of up to 148 200 francs in the event of disability)
Helplessness allowance (up to 2436 francs per month)
Funeral expenses (limited to 2842 francs)