Personal Accident Insurance

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Personal Accident Insurance

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.

Insurance benefits

  • 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
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Time out from your job or temporarily unemployed?

Are you planning a break, for example for unpaid leave? If you want to continue to be comprehensively protected in the event of an accident, the insurance by special agreement  is the right choice for you. This allows you to extend your insurance coverage for non-occupational accidents, which you previously enjoyed via your employer on a compulsory basis, by a maximum of 6 months.

More details

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.

Good to know

  • Payouts in the event of death or disability are not affected by benefits received from other insurers.

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

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

Other products

Relax Assistance

Travel Insurance

Whatever happens before and during your trip or when you’re home again, keep safe with Relax Assistance Travel Insurance.

No short falls given loss of income

Maintain your standard of living even after an illness or accident. Protect your income in the event that you become disabled. Zurich EmploymentRisk is just the right solution for this. 

Personal Liability Insurance

Private liability insurance

A claim involving third parties or property can quickly become expensive. Private liability insurance gives you comprehensive, worldwide coverage.