Insurance by special agreement

If you work as an employee at least 8 hours per week on average for an employer in Switzerland or the Principality of Liechtenstein, you are compulsory insured against non-occupational accidents (NOA). If you give up your employment permanently or temporarily (for example, in the case of longer unpaid leave) or reduce your working hours to less than 8 hours per week, your NOA insurance coverage also expires following the so-called extended coverage period of 31 days has expired (for details regarding the extended coverage period, please see "When does the insurance by special agreement begin and end"). With an insurance by special agreement, you can extend this NOA insurance cover beyond the extended coverage period by a total of 6 months, and thus continue to enjoy the full benefit of the respective insurance in accordance with the provisions of the Swiss Federal Law on Accident Insurance (LAI) (if your previous employer is based in Switzerland) or the Liechtenstein Accident Insurance Act (UVersG) (if your previous employer is based in the Principality of Liechtenstein).

If you give up your employment permanently or temporarily (for example, in the case of longer unpaid leave) or reduce your working hours to less than 8 hours per week, you can extend your accident insurance coverage for non-occupational accidents in accordance with the LAI (Switzerland) or UVersG (Principality of Liechtenstein) by a total of 6 months with the insurance by special agreement.

Have you been compulsorily insured against non-occupational accidents with Zurich through your (previous) employer? If so, you can also conclude an insurance by special agreement with Zurich. The insurance is completed concluded online on zurich.ch. After successful completion, you will receive an email with an insurance confirmation and the invoice. The premium must be paid no later than on the last day of the extended coverage period (see "When does the insurance by special agreement begin and end"). Only if you pay within this period, the insurance by special agreement is validly concluded.

If you want to extend the insurance by special agreement, you must conclude out again online and pay the premium before the existing special agreement insurance expires. The total duration of the insurance by special agreement may not exceed 6 months.

The insurance by special agreement that is concluded on time begins immediately after the compulsory NOA insurance cover through your employer ends, i.e. on the 31st day following the day on which the entitlement to at least half the salary ends (so-called extended coverage period).

The insurance by special agreement ends at the end of the selected term, but in any case, after a maximum of 6 months or with the commencement of an employment of at least 8 hours per week with a Swiss or Liechtenstein employer. Any excess premium will not be refunded. When taking up self-employment and moving to (other) countries, the insurance by special agreement remains in force during the selected term.

Example:

The insurance by special agreement is suspended as long as you are covered by military insurance (e.g. during a refresher or civil protection course). The term of the insurance by special agreement is then extended accordingly. We are happy to note your sub-book on the insurance confirmation – provided that you notify us of the interruption.

The premium is CHF 40 per full or partial month of insurance (if your previous employer is based in Switzerland) or CHF 45 (if your previous employer is based in the Principality of Liechtenstein).

When leaving the employment relationship or the non-occupational accident insurance (if the average working time falls below 8 hours per week), you must notify your health insurance company about the end of the NOA insurance coverage according to the LAI in order to clarify when the accident coverage is to be included in the health insurance again.

If you are unemployed and meet the eligibility requirements for unemployment benefit (ALE), you are automatically insured against accidents with SUVA and the entitlement to insurance by special agreement does not apply.

Since daily allowances from unemployment insurance also count as wages in the Principality of Liechtenstein, you will continue to be insured against non-occupational accidents through your previous employer while receiving unemployment benefits, provided that the unemployment benefits amount to at least 50% of your earnings prior to unemployment. However, it is a prerequisite that the unemployment office recognizes the unemployment within the 31-day extended coverage period. If this is not the case, we recommend concluding an insurance by special agreement.

Please report the claim immediately electronically via zurich.ch. In the event of the policyholder's death, the accident must be reported by the entitled survivors.