Our answers to the most frequently asked questions
You can find here the answers to our insured members’ most frequently asked questions.
Simply click on your subject of interest.
Reporting an accident is compulsory if you wish to have your medical expenses covered.
- You are insured against accidents by your employer (LAA/UVG): therefore, you must report the accident to your employer.
- If you are insured against accidents under your basic health insurance (LAMal/KVG): you must report your accident to your health insurer, specifying the circumstances of the accident (time, place, unfolding of events and consequences of the accident), the attending doctor or hospital, and any responsible parties and insurances involved.
You can report your accident to your health insurance by telephone, email or via GMnet. In some cases, a written declaration of the insured person may be required (dental case, hospitalisation, accident with a liable third-party).
Accident coverage is compulsory in Switzerland. Accidents must be covered either by the insured person’s employer or by the basic health insurance (compulsory health insurance) if the insured person does not have an employer.
Health insurance (LAMal/KVG) covers the accidents of persons who are not gainfully employed (children, pensioners, self-employed individuals, homemakers, etc.) or who work less than eight hours a week. In the event of an accident, the compulsory health insurance covers the costs in the same way as it does with an illness. Insured persons are therefore subject to cost-sharing amounts, i.e. the deductible amount and 10% co-insurance.
Accident insurance (LAA/UVG) taken out by employers for their employees is compulsory for anyone who is gainfully employed for more than eight hours a week. These persons can suspend the accident risk from their compulsory health insurance.
In case of an accident, accident insurance reimburses 100% of the costs.
Please note that persons receiving unemployment benefits are covered by the SUVA during their period of entitlement to unemployment benefits.
If you are covered against accidents through your employer’s LAA/UVG insurance, you can exclude this coverage from your basic health insurance (compulsory health insurance) for the month following your online suspension request.
If you wish to add the accident risk to your compulsory health insurance, fill in the online form to add the accident risk. The change will be effective on the first day of the month following your request.
Do I have to change my accident coverage during a period without gainful employment or after retirement?
Yes. Accident coverage must be included in your compulsory health insurance because your employer no longer covers you for this risk. To include accident risk in your compulsory insurance, send us an online request.
No, persons receiving unemployment benefits are compulsorily insured against accidents by the unemployment fund at SUVA. In order to suspend accident cover from the basic health insurance, please send us a written request. We will suspend your accident insurance according to your period of entitlement to benefits decided by the unemployment fund.
If you have an employer, you must ask for an accident report sheet. You must then send this document to the pharmacy with the medical prescription.
If you do not have an employer, simply show your insurance card with the prescription to your pharmacist. The latter will forward his invoice to your accident insurer.