People who are employed and work more than 8 hours per week are automatically insured against accidents by their employer. The accident coverage includes occupational accidents (BU) and non-occupational accidents (NBU). According to the Federal Law on Accident Insurance (UVG), the employer is required to take out mandatory accident insurance for employees.

As an employee, it doesn’t make sense to additionally take out accident insurance with a health insurance provider, since you are already insured by your employer for both occupational and non-occupational accidents. Moreover, the coverage under the UVG is better than under the KVG in the basic insurance. Insured persons with accident insurance under the UVG do not have to contribute to costs in the event of an accident. Furthermore, UVG-insured individuals receive larger compensations, higher pensions, and better benefits in the case of severe accidents compared to coverage under the KVG. The fact is, health insurers do not pay out pensions under the basic insurance.