Accident insurance covers the risks of accidents within the company, on the way to work and during one's leisure time. On request, CONCORDIA insures all areas in accordance with the obligatory accident insurance (UVG/LAA/LAINF).
The obligatory accident insurance in accordance with the UVG/LAA/LAINF applies to service and commercial enterprises that are not subject to Swiss Accident Insurance Fund (SUVA) obligation.
| Persons covered by mandatory insurance | All employed persons performing a gainful employed activity in Switzerland and who receive the applicable wages for old age insurance | |
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| Persons covered by optional insurance | Owners of an individual enterprise or self-employed persons as well as members of their family that work for the company and that do not receive the applicable wages for old age insurance (AHV/AVS) | |
| Insurable risk |
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| Medical expenses | Outpatient treatments: Doctor, dentist, medicines, analyses, therapies, cures, hospital stays in the general ward, medical aids designed to compensate for physical damage and loss of a function, rescue and recovery costs as well as medically necessary travel and transport costs, funeral costs up to the amount of seven times the insured maximum daily salary | |
| Daily allowance | 80 % of the insured income from the third day, max. 80 % of each of the UVG/LAA/LAINF maximum salaries in force (currently at CHF 126,000) | |
| Disability pension | In case of full invalidity, 80 % of the insured salary; in case of partial invalidity, proportionately less | |
| Compensation for damage to integrity | In the form of monetary benefit payments up to the maximum of the insured yearly salary | |
| Helplessness allowance | At least twice but maximum six times the highest amount of insured daily salary | |
| Survivors' pension | for | from the insured income |
| widow/widower | 40 % | |
| half-orphan | 15 % | |
| double orphan | 25 % | |
| together | max. 70 % | |
| divorced | 20 %, but maximum the fixed amount of alimony | |
