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.

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Principles

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 to choose from

Daily allowance

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.

Couverture de la réduction opérée par la LAA

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

Our exclusive advantages

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.

Our predefined packages

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

Coverage

Pack ⭐ et Pack ⭐⭐

Pack ⭐⭐⭐

Pack ⭐⭐⭐⭐

Supplemental daily allowance
(max: LAA/UVG salary = CHF 148,200)

❌

10% from the 31st day

Excess daily allowance
(salary from CHF 148,200; max. CHF 500,000)

❌

90% from the 31st day

Lump-sum benefit in case of disability

1 x AVS/AHV salary with 350% progression

Lump-sum benefit in case of death

1 x AVS/AHV salary

2 x AVS/AHV salary

Treatment expenses

❌

Hospitalisation in a private ward

Coverage of the reduction imposed by LAA/UVG

Coverage of LAA/ UVG reductions

Covered risks

Pack ⭐:
Only occupational accidents

Pack ⭐⭐:
Occupational and non-occupational accidents

Occupational and non-occupational accidents

List of benefits covered

For the full list of benefits covered, please see the terms and conditions of insurance.

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Ask for advice

Do you have any questions about the accident insurance supplemental to the LAA/UVG?
Our insurance advisers will be happy to answer any questions you may have about your insurance coverage.

Form to request a contact

Useful documents

Frequently asked questions

What should I do in the event of an accident?

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.

How is the daily allowance calculated?

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.

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