UVG Mandatory Accident Insurance: Who Qualifies and What You Get
Learn how mandatory accident insurance works in Switzerland and why your weekly working hours determine your coverage.
This insurance provides mandatory protection against the costs and consequences of accidents.
Who it's for
This scheme applies to all employees who work more than 8 hours per week.
What you get
You receive full coverage for accidents that happen while you are at work, as well as accidents that occur outside of your working hours.
What it costs you
The cost is handled through your salary. A portion of the premium is deducted directly from your pay, while your employer is responsible for paying the portion related to workplace accidents.
The catch to know
If you work fewer than 8 hours per week, you are not covered by this specific scheme. In that case, you must make sure that accident coverage is included in your private health insurance to ensure you are protected.
How to apply
- Confirm your weekly working hours with your employer.
- Check your monthly payslip to ensure the deduction is listed.
- Verify that your private health insurance covers accidents if you work less than 8 hours.