Private supplementary accident insurance: added protection beyond the statutory cover

Accident insurance is required by law in Switzerland. Employees who work eight hours or more per week for the same employer are covered by the employer’s accident insurance against the financial consequences of occupational and non-occupational accidents. Individuals who are not employed are covered by the accident insurance of mandatory healthcare insurance (KVG), also known as basic insurance.

For more comprehensive protection, however, private accident insurance is recommended. With Infortuna Medical Expenses, SWICA offers a solution that covers outpatient and inpatient treatments worldwide, allowing a free choice of doctor and hospital, as well as a single room. In addition, you benefit from extended benefits, for example in the areas of complementary medicine, emergency transport and rescue – for ideal protection, also beyond statutory accident insurance.
 

Yes, if you are registered with the unemployment insurance fund, you will continue to be insured by SUVA against occupational and non-occupational accidents. For additional protection and more comfort, private accident insurance or supplementary accident insurance may be a good idea in order to receive benefits over and above the statutory accident insurance.

For employees who work eight hours or more per week for an employer, that employer is required by law to insure those employees against occupational and non-occupational accidents. If you work less than eight hours a week, you must include accident cover (basic insurance with accident cover) in your health insurance.

Basic insurance covers only covers staying in the general ward of the hospital in the event of an accident, which means that excesses and deductibles apply.
 

To include or exclude accident cover in your mandatory basic insurance, you have the following options:

Fill in the online form
Contact SWICA Customer Services

Please note that excluding accident cover from basic insurance is only possible if you are employed by your employer for at least eight hours per week. In this case, you are insured by your employer against the consequences of an accident.
 

Infortuna is a supplementary accident insurance plan. It supplements basic or UVG insurance and ensures that you are treated and cared for in the private ward of a hospital in the event of an accident.

Yes, in the event of an accident anywhere in the world, with Infortuna you:

• are a private patient in hospital (single room) 
• have a free choice of doctor 
• receive preferential treatment 
   

Yes, if you want extra comfort. Statutory accident insurance covers treatment costs, but at a standard level. Infortuna offers additional benefits such as a free choice of doctor and more.