Comparison table

Compulsory / supplemental accident insurance

Compulsory accident insurance pursuant to LAA/UVG
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Supplemental accident insurance in addition to LAA/UVG
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Maximum insurable salary (per person and per year)

CHF 148,200

Maximum LAA/UVG salary of CHF 148,200

Maximum AVS/AHV salary of CHF 500,000

Daily allowance

Daily allowance covering 80% of the salary, from the 3rd day after the accident

Daily allowance during the legal two-day waiting period

Daily allowance of up to 100% (LAA/UVG salary)

Daily allowance from 80% to 100% (AVS/AHV salary)

Benefits in the event of disability or death

Disability or survivors' pensions

Lump-sum amount in the event of disability or death

Disability or survivor pension for the salary in excess

Indemnity for loss of integrity and disability allowance

-

-

Plastic surgery expenses

-

Cost of professional rehabilitation

Treatment expenses

Outpatient treatment

Transport, travel and rescue costs

Medical aids and appliances

Treatment, transport and medical aids’ expenses, including drugs and tests, that exceed the benefits covered by LAA/UVG

Hospitalisation

Hospital stay in a public ward

Hospital stay in a semi-private or private room

-

Unlimited coverage worldwide

-

Daily hospitalisation allowance in the event of medically necessary and prescribed hospitalisation by a doctor in a hospital or a cure facility (if agreed in the policy)

Assistance

Groupe Mutuel Assistance: assistance in the event of an accident in Switzerland and worldwide

Groupe Mutuel Assistance: assistance in the event of an accident in Switzerland and worldwide

Extension of insurance coverage, transfer to individual insurance

Possibility to extend LAA/UVG coverage by a maximum of six months by taking out LAA/UVG extended insurance

Right of transfer to an individual insurance product

Additional guarantees for a previous accident

No coverage in case of a relapse and/or late consequences from previous accidents which were not covered

Relapse/late consequences:
payment of a daily allowance benefit up to 80% of insured earnings

Death following an insured accident: daily allowance up to 80% of insured earnings

Gross negligence and hazardous activities

-

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

Groupe Mutuel

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