Accident Insurance for self-employed persons

Accident Insurance for self-employed persons

Accidents at work can happen all too easily. Zurich Accident Insurance for self-employed persons provides you with coverage for loss of income, medical treatment and hospital stays, as well as for disability and death.

Why should you get accident insurance for self-employed persons?

  • Accident insurance for self-employed persons comprises occupational and non-occupational accident insurance
  • You and co-workers who are family members are protected fully and globally  
  • Financial support for long-term disability

What does Accident Insurance cover?

Medical expenses insurance for self-employed persons:

  • Accommodation and treatment in an agreed-upon ward (private or semi-private)
  • No limits in terms of indemnity or timing
  • Free choice of physician and hospital in Switzerland
  • Pays for emergency transport, rescue and recovery costs, search efforts up to CHF 20,000

Supplement for hospitalization and health resort stays: 

  • Daily benefit in the event of hospitalization to cover additional private expenses starting on the first day
  • Benefits are paid per accident for a maximum 1,800 days

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 for long-term disability for self-employed persons:

  • One-off capital payout or annuity payments in lieu of income
  • Payment amounts increase with the degree of severity of the disability
  • Financial support for remodeling homes or apartments to make them accessible for the disabled
  • Zurich works fast to deliver funds needed in emergencies
  • Financial help with purchasing the necessary aids and appliances
  • Your choice of benefit alternatives: Zurich pays up to 350% of the sum insured

Additional protection in the event of death

  • Provisions for family members: one-off capital payout or annuity payments in lieu of income
  • Guarantees for credit, loans or mortgages
  • Funeral costs paid

Frequently asked questions about accident insurance for self-employed persons

Is this insurance mandatory?

As a self-employed person, you are not legally required to take out accident insurance according to LAI. This also applies to family members working for your business. Zurich Accident Insurance for self-employed persons protects you against the financial consequences of an accident. This is voluntary accident insurance.

How can I influence the premium?

You can influence the premium by selecting the range of treatments, doctors and hospitals you want to cover.

You can also influence your premium by choosing the waiting periods for daily benefits insurance.

Our advisory service

Insure yourself as a self-employed person against accidents. We would be glad to advise you.