Optional Accident Insurance: Who Qualifies and What You Get
Self-employed individuals in Switzerland can opt into this insurance to cover work-related accidents and loss of earnings.
This scheme provides specialized insurance coverage for individuals who are working for themselves and do not have mandatory accident coverage through an employer.
Who it's for
This scheme is specifically intended for self-employed persons. It is designed for those who do not have the mandatory employer-based accident coverage that traditional employees receive. If you are working for yourself and need to ensure you are protected against the financial consequences of a workplace injury, this option is available to you.
What you get
The primary benefit is coverage for work-related accidents and occupational illnesses. This means if you suffer an injury while performing your professional duties or develop an illness caused by your work environment, you are covered. This provides a layer of protection that ensures you are not left without support if your health is impacted by your professional activities.
What it costs you
This is not a free service. To maintain this coverage, you must pay an annual premium. The exact cost of your premium is not a flat rate for everyone; instead, it is determined based on your specific risk class. Your profession and the nature of your work will dictate which risk class you fall into, which in turn determines your specific cost.
The catch to know
It is important to understand the difference between standard health insurance and this specialized coverage. While basic health insurance typically covers the medical costs associated with an accident, it does not necessarily cover your loss of earnings. This scheme is designed to address that gap by covering loss of earnings, which is essential for maintaining your livelihood if an accident prevents you from working.
How to apply
- Visit the official portal to review the specific coverage details for your profession.
- Identify your specific risk class to understand your premium requirements.
- Submit your application through the official online system.