Accident insurance supplemental to the LAA/UVG (LAAC/UVGZ)

Provide your employees with optimal protection

Our supplemental LAA/UVG accident insurance enhances the compulsory benefits for your employees in the event of an accident. It fills the financial gaps they face and increases your attractiveness as an employer. Discover our offer and choose a predefined package or tailor-made solution.


  • The insurance covers your employees against the financial consequences of workplace accidents and illnesses, as well as for non-workplace accidents.
  • Its benefits supplement those of the compulsory accident insurance.
  • You can choose one of our predefined packages or opt for a customised solution.

Main benefits

Daily allowance

Possible coverage:

  • LAA/UVG salary insurable up to 100% (maximum CHF 148,200).
  • Coverage of the excess salary by 80%, 90% or 100% (up to a maximum of CHF 500,000).
  • Daily allowance paid during the legal waiting period of 2 days.
Disability or death
  • Lump-sum benefit in case of disability and/or death.
  • Disability or survivors’ pension for the excess salary.
Treatment expenses
  • Unlimited worldwide coverage.
  • Hospital stay in a semi-private or private ward.
  • Alternative medicine, transport costs, etc.
Coverage of the reduction imposed by LAA/UVG

Coverage of the reductions applied to LAA/UVG benefits due to serious misconduct of the insured person or hazardous activities, excluding offences.

Our predefined packages

Choose one of our predefined solutions which include all or part of our benefits.

  • Coverage of the cost of auxiliary aids at the workplace and ergonomic assessment.
  • No limitation of daily allowance benefits if the AVS/AHV pension is postponed.
  • Extended coverage of treatment costs while retaining the general ward in hospital.
  • Professional retraining costs.
  • Coverage of search operations, up to CHF 100,000 per case.
  • Childcare benefits if the parent has an accident.
  • Coverage of relapses and late consequences of previous accidents (daily allowance up to 730 days).
  • Allowance for aesthetic damage.

Request a personalised offer online

  • Use the corporate online offers system to send us your information, without any obligation on your part. Once assessed, we will be able to send you a personalised offer.

Request advice
  • By phone

  • 0848 803 777
    08.00 – 12.00
    13.30 – 17.00
    On the Swiss landline network: national rate / On the Swiss mobile network: according to your mobile network operator

  • Meet an adviser

  • Form to request a contact

Frequently asked questions

You should immediately inform your line manager or your human resources department. They will then inform your insurer. Doing so quickly will prevent you being sent service provider invoices to your home.

The daily allowance corresponds to 80% of loss of income, payable from the 3rd day following the accident. It takes into account 13th-month pay and any family allowances. The annual income obtained is divided by 365 days and the benefit is calculated on an 80% basis.

See all FAQs
Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111