Supplemental LAA/UVG accident insurance

Main benefits

Supplemental daily allowance

• Level
• • Up to 100% of the insured LAA/UVG salary (max. CHF 148,200)
  • 80%, 90% or 100% of the insured AVS/AHV salary (max. CHF 500,000)
• Partial incapacity for work
• Daily allowance reduced in proportion to the degree of incapacity for work
• Waiting period
• Daily allowance paid during the legal two-day waiting period

Disability or death benefits (if agreed to in the policy)

• Disability/death
• • Lump-sum amount in the event of death or disability
  • Disability or survivor pension for the excess salary
• Aesthetic damages
• Plastic surgery expenses
• Rehabilitation
• Cost of professional rehabilitation

Treatment expenses

Frais de traitement

• Outpatient treatment
• • Treatment expenses, including drugs and tests that exceed the LAA/UVG legal and rate coverage
  • Worldwide
• Hospitalisation
• Hospital stay in a semi-private or private room
• Transport, travel and rescue costs
• To the extent that such transport is necessary, in Switzerland and abroad
• Alternative medicine
• Therapies performed by a licensed doctor or approved therapist, max. CHF 100 per session and CHF 2,500 per case
• Medical aids and appliances
• • First acquisition of medical aids and appliances
  • Cost of repairing or replacing prostheses

Accident caused by gross negligence or hazardous activities

• Coverage of reductions
• Coverage of reductions on LAA/UVG benefits due to gross negligence or hazardous activities on the part of the insured person

Transfer to individual insurance

• Right of transfer
• Right to transfer to individual insurance when leaving the group of insured persons
• Exercise of the right
• Within 90 days of leaving the group of insured persons