Personal Accident Insurance

Zurich

Optimum coverage – at home and in your leisure time

Whether you injure yourself doing household chores or fall during a bike tour – accidents happen! The accident insurance prescribed by law is often not enough to protect you against all the financial consequences. Voluntary Zurich Personal Accident Insurance closes this gap.

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Benefits at a glance

Optimum protection for you and your family, worldwide
Financial security in the event of loss of income
Financial support for long-term disability

In the event of death, Zurich supports the survivors in maintaining their usual standard of living
Students, children and young people enjoy lower premiums for accident insurance

Fewer details

More details

In detail

Personal accident insurance is worthwhile since it provides comprehensive protection in the event of accidents. Zurich Personal Accident Insurance is suitable as an enhancement to your mandatory accident insurance.

Medical expenses insurance for private individuals

Accommodation and treatment in a private ward
No limits in terms of indemnity or timing
You don’t pay a deductible
Free choice of physician and hospital in Switzerland
Pays for emergency transport, rescue and recovery costs, and search efforts up to CHF 20,000
You can include outpatient service in your policy

Wage compensation in the event of disability (daily sickness benefits insurance)

Compensation paid upward of 25% disability
Zurich extends your benefits accordingly for partial disability
Full compensation upward of 66.66% disability

Supplement for hospitalization and health resort stays

Hospital benefits for additional personal expenditure starting on the first day, with no time limit
Costs for home care personnel up to 50% of the insured hospital benefit, where this is done to avoid or cut short a stay in hospital

One-off capital payment for permanent disability

Income replacement
The amount paid out increases with the degree of disability (disability capital)
Financial support for remodeling homes or apartments to make them accessible for the disabled
Financial help with purchasing the necessary aids and appliances
Compensation for any care and support needed
Your choice of three benefit variants: Zurich pays up to 500% of the sum insured
Physicians (including dentists and veterinarians) can choose to insure higher benefits for a surcharge on their premium
In the event of death, the capital payment can be used as family care to safeguard credit, loans and mortgages