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.

You can also create a quote together with a SME expert by phone.
Call us at +41 43 505 14 55.

Why should you get accident insurance?

Advantages of accident insurance

  • Accident insurance provides financial security for your employees in the event of accidents and occupational diseases (daily allowance insurance).
  • Accident insurance covers medical expenses.
  • With the UVG supplementary insurance, the obligation to pay wages is compensated for incomes above the UVG wage maximum.
  • In general, the supplementary insurance closes possible gaps.

Advantages as a Zurich customer

  • Thanks to the practical "online claims management system" you have minimal administrative effort.
  • As a Zurich client, you can take advantage of Orion’s free telephone advice on labor law.
  • This insurance offers you integrative all services of our Care Management Services.
  • Using electronic wage declarations from Swissmem and Zurich, you can report wage data directly to Zurich - there is no need to fill out declaration forms.
Fewer details

What does accident insurance cost?

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).

What does accident insurance cover?

Accident insurance assumes the obligation to continue to pay wages, which obliges companies to continue to pay employees who are unable to work due to an accident.

It covers costs in the case of work-related and non-work-related accidents if the employee works more than 8 hours a week.

Why do I need accident insurance?

Employers in Switzerland are obliged to continue paying 80% of their wages in the event of an accident leading to incapacity for work.
Accident insurance exempts you as an employer from this obligation.

Zurich's accident insurance not only meets the legal requirements (according to UVG) but also enables you to close any gaps and increase the limit of the covered salary by means of supplementary insurance.

What if I can't find the product I want online?

Some insurance solutions are not yet available on our platform.

After purchasing your insurance solution online, you will be assigned to an agency. Your personal advisor will then be able to advise you and offer you further products.

What are the advantages of being professionally insured against accidents at Zurich?

Taking out this insurance with Zurich has the following advantages:

  • Zurich is a renowned international insurance company.
  • Zurich offers a wide range of insurance solutions
  • Zurich is one of the world's largest insurers. The security you receive from us as a customer is correspondingly high for you.
  • At Zurich, they are looked after by a customer advisor.
  • Your customer relationship is therefore based on a personal relationship.
  • Zurich guarantees flawless claims processing.
  • Zurich offers a good price/performance ratio
  • Due to the dense agency network, we are always personally available for you.
    (in case you should move, for example.)

What are the advantages of being professionally insured with Zurich against accidents by means of supplementary insurance?

Taking out this insurance with Zurich has the following advantages:

  • This supplementary insurance covers supplements to the UVG benefits that are tailored to your needs.
  • Compensation for the obligation to pay wages for incomes above the UVG wage maximum
  • Extra-mandatory benefits
  • Wage compensation for UVG cuts
  • private ward and private clinics worldwide
  • Equal treatment of the cohabiting partner
  • In the event of death, an immediate lump-sum payment is made / the surviving dependents immediately have cash and do not have to wait for the decisions of the social insurance funds first.

Our advisory service

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