Health: health and accident insurance
Basic health insurance is compulsory in Switzerland. Therefore, you must be insured regardless of your work status: employee, self-employed, retired or unemployed.
People working in Switzerland are subject to their employer’s compulsory accident insurance in accordance with the Federal Law on Accident insurance (LAA/UVG).
If your employment ends, your LAA/UVG accident coverage will expire 31 days after the last salary has been paid.
After 31 days
- either you receive a daily allowance benefit from the unemployment insurance in which case you will be automatically insured against non-workplace accidents with SUVA.
- or you do not receive unemployment benefits: in that case, you must take out insurance by signing up to extended accident insurance or by adding the accident risk to your basic health insurance.
Extended accident insurance: avoid coverage gaps
With extended insurance, you can extend your former employer’s accident coverage for up to six months. You can sign up to this insurance with your former accident insurer.
Click here to discover our new extended LAA/UVG insurance: Extended insurance.
Add the accident risk to your basic health insurance
Ask your health insurer to add the accident risk to your coverage using this form: Add/Cancel the accident risk.