Accident insurance at work is mandatory in Switzerland. This policy is subject to certain rules in Switzerland. for instance , the world of accident insurance should be divided into two parts. On the one hand, the UVG area, which covers professional employment directly, is taken under consideration . On the opposite hand, the world of the NBU that refers to the leisure area is vital .
Take out accident insurance?
By the way, this category is additionally mandatory for all employees who work eight hours every week at their employer. Good to know: in Switzerland, accident insurance ends on the 30th after the last time employees were ready to claim half their salary.
Who is roofed by the policy?
Based on this, all employees in Switzerland are insured. additionally , this coverage extends to apprentices, homeworkers, interns, volunteers, domestic workers, cleaning staff privately homes and every one those that add training and disability workshops. the subsequent groups of individuals are considered uninsured:
people who don’t have paid employment, including housewives, housewives, children, retirees, students, students
Those affected must remove private medical insurance to hide accidents. After all, accident insurance may be a policy that goes far beyond the essential insurance services of Swiss insurance companies.
What is an accident within the sense of insurance law?
When starting work, employees are automatically protected against accidents at work and occupational diseases through accident policy. An accident is usually an unintended, sudden and harmful external effect on the body.
An important condition for the definition of an accident is that the associated physical and / or psychological damage, which suffered as a results of the accident. For UVG, accident insurance within the workplace, this suggests that an insured event occurs if the activity related to the accident has been administered following the employer’s instructions.
In Switzerland, this UVG protection is additionally associated with accidents that occur during breaks or at company facilities. additionally to an accident at work, accident insurance also defines occupational diseases as an insured event. during this regard, it’s inevitable that industrial disease is said to professional activity. A possible cause is harmful substances that trigger industrial disease .
In Switzerland, UVG feeds on contributions paid by companies. However, if insured people work for a corporation but a mean of eight hours every week , companies also pay the associated premium.
In this case, however, the worker is liable for paying the funds of this a part of the accident insurance. the quantity of this premium is predicated , among other things, on earnings.
Special regulations for people with few hours of employment.
This group of individuals should also confine mind that they’re only covered against occupational diseases and accidents through company accident insurance. This successively means these workers don’t have automatic coverage for non-occupational accidents.
The scope of accident insurance benefits at a look
Accident insurance in Switzerland covers the prices of curing work and non-work accidents. Insurance companies also guarantee benefits like pensions or daily sickness benefits. However, a maximum of CHF 148,200 is insured.
Therefore, accident insurance companies in Switzerland are obliged to supply adequate treatment, unlimited in quantity and duration. The range of services is additionally associated with the subsequent services:
outpatient and hospital treatments
Remedies and help.
The purpose of of these services is to revive the body functions that were lost as a results of the accident. counting on the circumstances, it’s also possible to supply loans to the insured. additionally to those services, insurance companies provide support for transportation and rescue costs, also as return transportation and funeral costs for people with fatal injuries.