Accident Coverage (Health Insurance): Who Qualifies and What You Get

This scheme provides basic medical coverage for accidents for individuals living in Switzerland. It serves as a vital component of the national health insurance framework to ensure medical costs are met following an unexpected mishap.

👤Who it's for

This coverage is available to all insured residents living in the country. It is specifically designed to fill the gap for individuals who do not have separate accident insurance provided through a workplace or an employer.

🎁What you get

You receive basic medical coverage for accidents. This protection is intended to ensure that if you suffer an injury, your medical needs are addressed under your health insurance plan. This is particularly important for those who are not covered by a secondary employer-based accident insurance policy, ensuring you are not left without medical support in the event of an accident.

💰What it costs you

There is no additional separate fee for this specific benefit. The cost of this coverage is already included in your standard health insurance premium.

⚠️The catch to know

The most important thing to understand is that this coverage is not always automatically included in every policy by default. You must ensure that this specific protection is explicitly activated within your health insurance policy. If you are self-employed or working in a capacity where your employer does not provide accident insurance, you must verify that this option is turned on to avoid being unprotected.

📝How to apply

1. Review your current health insurance policy documents to see your current level of coverage.
2. Determine if you are currently covered for accidents through an employer.
3. If you are not covered by an employer, contact your health insurance fund directly.
4. Request to have the accident coverage explicitly activated in your policy to ensure you are protected.