Employment, Social Affairs & Inclusion

Switzerland - Accident insurance

In what situation can I claim?

Accident insurance is compulsory for all employees and the unemployed. Claims can be made in the case of occupational accidents, occupational diseases and, under certain conditions, non-occupational accidents.

If you have an accident or suffer from an occupational disease, you may receive various benefits:

  • daily allowances: paid if you are temporarily incapable of working, completely or partially;
  • invalidity pension: succeeds the daily allowance if your earnings capacity is reduced in the long term;
  • integrity allowance: a lump-sum benefit paid in case of significant and lasting damage to your physical or mental integrity (e.g. loss of a kidney or a leg, total blindness);
  • helplessness allowance: paid if you permanently need the help of a third party or personal supervision to carry out everyday tasks;
  • survivor's pension: paid to the surviving spouse (under certain conditions) and to orphaned children.

Note that in addition to these cash benefits, you are also entitled to benefits in kind, i.e. the reimbursement of medical care and other costs incurred following the accident or occupational disease (medical treatment, medication and analyses, spa treatments, equipment to aid the healing process, rescue costs, auxiliary equipment such as prostheses or hearing aids, etc.).

What conditions do I need to meet?

Accident insurance is compulsory for all employees in Switzerland.

In principle, the unemployed also benefit from the compulsory insurance.

For employees working more than 8 hours per week, accident insurance also covers non-occupational accidents.

For other employees (those working less than 8 hours per week and those not insured), the benefits in case of non-occupational accident are covered by the sickness insurance (see the chapter on Sickness insurance).

What am I entitled to and how can I claim?

Daily allowances

If you are completely or partially incapable of working following an accident or occupational disease, you are entitled to a daily allowance, calculated according to the last salary received and your degree of incapacity:

Total work incapacity:

80% of the insured salary

Partial work incapacity:

proportional reduction

The insured salary corresponds to the last salary paid, up to a maximum fixed amount of CHF 406 per day (EUR 347).

For the unemployed, the daily allowance paid is equal to unemployment benefit.

The allowance is paid daily from the third day following the accident. It ceases as soon as you recover full capacity for work, a pension is paid or in case of death.

You must quickly inform your employer of any accident or occupational disease, who in turn needs to inform the insurer.

Invalidity pension

This is paid if you become disabled following an accident or occupational disease and when it is no longer reasonable to expect a significant improvement in your state of health from medical treatment or rehabilitation measures. The invalidity pension then succeeds the daily allowance.

As with the daily allowance, the invalidity pension depends on the last pay received and the degree of invalidity:

Total invalidity:

80% of the insured salary

Partial invalidity:

proportional reduction

The insured salary corresponds to the last salary received, up to a maximum annual fixed amount of CHF 148,200 (EUR 126,623).

Integrity allowance

This allowance is paid as a lump-sum benefit. It depends on the severity of the damage to integrity and is calculated as a percentage of the maximum amount of the annual insured salary (CHF 148,200, EUR 126,623).

Helplessness allowance

This is paid if, due to impaired health, you are permanently dependent on help from a third party or personal supervision to carry out basic everyday tasks.

The helplessness allowance is determined according to the degree of helplessness (see the definition in the chapter on Other invalidity cash benefits):

Slight helplessness:

2 times the maximum daily insured salary

Moderate helplessness:

4 times the maximum daily insured salary

Severe helplessness:

6 times the maximum daily insured salary

Survivor's pension

When an insured person dies following an accident or occupational disease, the surviving spouse/registered partner and children are entitled to a survivor's pension.

If you are divorced, you are entitled to a survivor's pension if the deceased was obliged to pay you maintenance.

Widows or widowers:

40% of the deceased's insured salary

Divorced spouses:

20% of the insured salary (up to the maintenance due)

Orphan of the father or mother:

15% of the insured salary

Orphan of the mother and father:

25% of the insured salary

The insured salary corresponds to the last salary of the deceased, up to a maximum annual fixed amount of CHF 148,200 (EUR 126,623).

If there are several survivors, the survivors' pensions may amount to a maximum of 70% of the insured salary overall (90% if there is also a pension for a divorced spouse).

Entitlement to a survivor's pension ceases on remarriage of the spouse. For orphans, it stops at the age of 18, or 25 at the latest if the child is studying or in an apprenticeship.

Jargon busters

  • Accident: any unexpected and involuntary injury to the human body resulting from an extraordinary external cause which is harmful to physical, mental or psychological health or which leads to death.
  • Occupational accident: any accident that occurs in the course of a professional activity. Accidents that take place during breaks, before or after work, are considered as occupational if the person is legitimately at his/her place of work or in a danger zone related to his/her professional activity. Accidents occurring on the way to and from work are always covered by the accident insurance.
  • Occupational disease: any disease exclusively or mainly due to harmful substances or certain works in the course of a professional activity, as well as any other diseases which are proven to be exclusively or mainly caused by the professional activity.

Forms you may need to fill in

Know your rights

The following links provide additional information about your rights. They are not European Commission sites and do not represent the view of the Commission:

European Commission publications:

Who do you need to contact?

Swiss National Fund for Accident Insurance and other insurers

Accident insurance is managed, according to the category of worker, by the Swiss National Fund for Accident Insurance (CNA or SUVA) or by any other authorised insurer.

Federal Office of Public Health (FOPH)

3003 Berne

Tel. +41 584622111

Fax +41 584629507

info@bag.admin.ch

www.bag.admin.ch

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