Top-up accident insurance as per AIA/UVG and IPA/VVG – at a glance
More cover for your staff – beyond the statutory minimum
TUAI from Visana supplements compulsory accident insurance as per AIA/UVG with important benefits. This allows you to close gaps in cover and offer your staff attractive advantages over other companies.
-
Free choice of hospital ward for greater comfort and better care. Extended international benefits package for accidents and treatment outside Switzerland.
-
Already from the first day of absence; also for incomes above the AIA/UVG maximum. Additional cover for AIA/UVG benefit reductions, e.g. due to gross negligence.
-
Enhanced financial security for staff and surviving dependants in the event of invalidity or death.
-
Flexibly combinable top-up insurance that can be adapted to your company. By offering better benefits, you score points in the competition for skilled workers and managers.
The most important differences at a glance:
| Compulsory as per AIA/UVG | TUAI (top-up as per IPA/VVG) | |
|---|---|---|
| Flexible choice of hospital (medical costs) | General ward only | Semi-private or private ward selectable |
| Daily allowance upon inability to earn a living | 80% from 3rd day (up to max. salary as per AIA/UVG) | From 1st day (also for salaries above AIA/UVG max.) |
| Cover for gross negligence | Not included | Selectable, depending on product |
| Invalidity or death | Cover as per statutory minimum | Additional lump-sum and pension benefits |
Individual top-up options
Alongside accident insurance and top-up accident insurance as per AIA/UVG, Visana offers flexible solutions for persons who are not required by law to take out accident insurance:
Accident cover for apprentices, students and trainees: during lessons, work placements and leisure time.
Insurance solution for external persons such as visitors, trial apprentices or event participants. This gives you collective overall cover.
Individual cover that includes medical expenses, daily allowance and lump-sum benefits – for persons not subject to AIA/UVG, e.g. self-employed persons, family members working in a family business, or board members.
You will find detailed top-up insurance benefit sheets in the downloads section.
How Visana TUAI works when an insured event occurs
-
The employer or the person themselves reports the accident or work-related illness.
-
We check for entitlement to benefits from top-up insurance, alongside the benefits from compulsory accident insurance as per AIA/UVG.
-
Additional benefits such as extended daily allowance, better hospital cover or lump-sum payments are paid out alongside AIA/UVG benefits.
-
If appropriate, we provide support in the form of additional services such as case management or reintegration advice – for a quick return to the workplace.
Your advantages with top-up accident insurance as per AIA/UVG
-
Flexibly scalable to suit the team’s or company’s size
-
Easy to integrate into existing salary and pension systems
-
Visana handles benefits coordination
We will gladly take time to give you a completely non-binding explanation of the advantages and details of TUAI.
Useful services for you
Cleverly insured, for all-round care. 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.
Frequently asked questions about top-up accident insurance as per AIA/UVG
Top-up accident insurance lets you close gaps in statutory insurance cover and offer your staff better protection, particularly if they have high salaries or are abroad.
This depends on the chosen product. Among other things, it can cover semi-private or private hospital wards, extended daily allowance, lump-sum benefits in the event of invalidity or death, and gross negligence.
The premiums for top-up accident insurance as per AIA are usually paid by the employer. However, employees can also contribute.
Yes, Visana’s top-up accident insurance has a modular structure and can be flexibly adapted to the respective industry, company size and risk profile.
Yes, top-up accident insurance also covers accidents and hospital stays abroad. Depending on the product, extended benefits and confirmation of cost coverage may also be included.
The cover ends when the employment relationship ends. Staff can switch to individual insurance under certain conditions.
Insurance cover can be suspended during unpaid leave. Voluntary continuation of the insurance is possible, depending on the agreement and product.
Downloads
Conditions of insurance
Forms
This might also interest you
