Supplemental LAA/UVG coverage for your employees

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 the predefined solutions:

LAAC/ZUVG accident insurance: four combinations of predefined coverages

You can also create a tailor-made solution by choosing your own coverage criteria.

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

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

Safety: you protect your employees against the financial consequences of accidents.
Attractiveness: you position your company as an attractive employer on the labour market, with generous social benefits.
Simplicity or flexibility: you choose one of four predefined solutions (packages) or a tailor-made solution, as per your own coverage criteria.
Complementarity: the LAA/UVG supplemental insurance can be perfectly combined with the compulsory insurance coverage.

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.

Supplemental LAA/UVG accident insurance