Cover my medical costs in the event of an accident

I wish to update my accident coverage within my health insurance

Are you starting or ending a professional activity? This change of situation will have an impact on the risks covered by the basic insurance.

If you are entering the workforce for the first time or switching to employee status, you may suspend the accident risk provided you are fully covered by your employer's insurance on a compulsory basis. The suspension is effective at the earliest on the first day of the month following the request (Art. 11 of the Ordinance on Health Insurance - OAMal/KVV).

If your employment ends, your accident coverage within the meaning of LAA/UVG will expire 31 days after the last half salary (Art. 3, para. 2 LAA/UVG). 

After 31 days:

• you receive a daily allowance benefit from the unemployment insurance fund and are therefore automatically insured against non-occupational accidents with SUVA;
• you do not receive unemployment benefit or you become self-employed. In this case, you must take out insurance by signing up to extended accident insurance or reinstate the accident risk in your basic health insurance.

As soon as you reach retirement age (AVS/AHV), the accident risk is automatically reinstated on the first day of the month following your birthday. However, if you continue to work after this date and remain covered, as a result, under the compulsory LAA/UVG insurance, please inform us rapidly so that we can adjust your insurance contract accordingly.

• Add or remove my accident coverage

For a better coverage of medical expenses

Accident insurance provides only basic benefits. However, an accident can quickly result in significant unexpected expenses. It is therefore important to be well covered.

If you need more comprehensive insurance in the event of an occupational or private accident, you can take out supplemental insurance.

Supplemental insurance plans offer additional benefits, such as:

• free choice of hospital
• free choice of surgeon
• increased comfort in hospital
• refund of rescue costs
• refund of repatriation costs
• refund of plastic surgery costs