Accident insurance for business (LAI)

Accident insurance for business (LAI)

LAI and supplementary accident insurance for business

Every company has to insure its employees against accidents and occupational illness. Zurich Accident Insurance complies with all legal requirements of accident insurance as set out by the LAI. It also offers supplemental benefits to provide even more financial safeguards for your employees.

Why should you get accident insurance?

  • Financial security for your employees in the event of accidents and occupational illness
  • Discharge of the obligation to pay salary in the case of incomes exceeding the LAI maximum salary
  • You have minimal administrative work thanks to a practical online claims management system
  • As a Zurich client, you can take advantage of Orion’s free telephone advice on labor law.
650 *
premium in CHF
average payroll in CHF
number of employees
* This value is a calculation based on data at Zurich and is therefor indicative, without contractual or official validity.

What does accident insurance cover?

Medical expenses insurance:

  • Outpatient and inpatient, general ward
  • Aids and appliances – such as prosthetics – plus related damages
  • Travel, transport, rescue and recovery costs
  • Transportation of corpse and funeral costs
  • Supplementary insurance: supplementary coverage for private wards and private clinics all over the world

Security in the event of inability to work (daily sickness benefits insurance):

  • 80% of the insured salary (maximum salary CHF 148,200)
  • Zurich pays compensation from the third day following the accident, for as long as the person is unable to work or until the person dies or becomes disabled
  • Supplementary insurance: 80% to 100% for the first two days following the accident (up to the LAI maximum salary of CHF 148,200); 20% of the salary lost (up to CHF 148,200); 80% to 100% daily allowance for surplus salaries (more than CHF 148,200) up to a maximum CHF 300,000

Financial support in the event of long-term disability and death:

  • Disability pension:
    80% of the insured salary in case of full disability, together with IV or AHV pension, maximum 90% of the insured salary
  • Allowance for physical and mental impairment in accordance with the defined degree of disability table, maximum CHF 148,200, regardless of whether the insured party has any claim to a disability pension
  • Long-term care allowance
  • In the event of death:
    spouse’s pension up to 40% of the insured salary; half-orphan’s pension up to 15% of the insured salary; full orphan’s pension up to 25% of the insured salary; survivor's pension up to a total of 70%, together with AHV or IV pensions up to a maximum 90% of the insured salary
  • Supplementary insurance:
    pension or capital payments for the insurance of the LAI salary and surplus salaries

Frequently asked questions about accident insurance

Is this insurance mandatory?

Yes, according to to the Swiss Federal Law on Accident Insurance (LAI). Exempt from it are self-employed (not mandatory for them).

Our advisory service

Take out appropriate coverage to insure your employees against accidents. We would be glad to advise you.