Accident insurance at a glance
Companies operating in sectors with a heightened risk of accidents are legally obliged to take out insurance with Suva. All other companies are free to choose their accident insurer. Visana’s accident insurance as per AIA/UVG is geared towards these companies and provides them with reliable protection against the financial consequences of accidents or occupational illnesses.
Our insurance as per AIA/UVG covers you in the following cases:
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Occupational accidents
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Non-occupational accidents (if at least eight hours are worked per week)
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Occupational illnesses
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Accident-related outpatient treatment
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Inpatient treatment in a hospital’s general ward
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Loss of salary: 80% cover from the 3rd day, up to the AIA/UVG maximum
Overview of benefits
With Visana’s compulsory accident insurance as per AIA/UVG, you fulfil your legal obligation and even protect your staff abroad.
Benefits for your staff:
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Medical costs (e.g. physician’s practice, hospital, medication, rehab)
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Daily allowance at 80% of the insured salary from the 3rd day, up to the statutory maximum limit
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Invalidity pension or survivor’s pension
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Travel, transport and rescue costs
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Helplessness allowance and compensation for permanent impairment
You can obtain detailed information from the benefit sheet or request it directly from your customer advisor.
How AIA/UVG accident insurance works
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The employer, or the affected person themselves, reports the accident or occupational illness online.
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Our specialists carefully assess the claim, request any required additional documentation (e.g. medical certificates) and coordinate with other insurers.
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We cover the costs, based on the statutory benefits as per AIA/UVG: your staff are provided with daily allowance, or pension payments if applicable, in a prompt, straightforward and reliable manner.
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We gladly support you with additional services, such as case management or integration advice.
Your advantages with an accident insurance as per AIA/UVG
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Legally compliant cover and financial security
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Transparent premiums – tailored to your sector
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Quick and straightforward handling of claims
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Personal support from Visana experts
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Digital services for efficient administration
We will gladly advise you on how to provide optimal cover for your staff.
Useful services for you
Cleverly insured, optimally supported. These services assist you:
Be it an occupational or non-occupational accident, simply send us your report digitally via BBTClaims (for companies with up to 100 staff) or Sunetplus (for companies with more than 100 staff). This allows the benefit claim to be assessed and processed quickly.
Report cases of illness easily and efficiently, using our digital tools BBTClaims (for companies with up to 100 staff) or Sunetplus (for companies with more than 100 staff). You thus ensure that staff get prompt support in critical situations.
Is someone leaving your company? With an arranged insurance extension, accident cover as per AIA/UVG remains in place for up to six more months. The extension can be arranged directly online.
Insurance that complements this product optimally
Frequently asked questions about accident insurance as per AIA/UVG
All employees in Switzerland are compulsorily covered by accident insurance under the Accident Insurance Act (AIA). Employees are individuals who pursue non-independent gainful employment as per OASI legislation.
Accident insurance is not compulsory for self-employed individuals and for persons who are not gainfully employed, such as homemakers. Furthermore, members of the military are subject to separate military insurance. Self-employed individuals in particular are advised to take out private accident insurance.
Insured persons are entitled to benefits from compulsory accident insurance in the event of occupational accidents (including accidents on the journey to or from work) or occupational illnesses. Good to know: Employees who work at least eight hours a week for the same employer are also insured against non-occupational accidents.
Premiums for occupational accident and occupational illness insurance are paid by the employer. Premiums for non-occupational accident insurance are generally borne by the employee; the employer deducts them from their salary.
Insurance cover ends on the 31st day after the day on which entitlement to at least half the salary ends. Extended accident cover can be arranged with Visana for a maximum of six months (arranged insurance extension) or accident cover can be immediately included (in health insurance) by notifying the relevant private insurer.
Anyone who works at least eight hours a week for the same employer is compulsorily insured against occupational and non-occupational accidents under the Accident Insurance Act AIA. However, if you are self-employed, unemployed, or employed by a company for less than eight hours a week, you must take out top-up accident insurance with your health insurer.
Downloads
Conditions of insurance
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