The Accident Insurance Law (LAA) imposes an insurance obligation on all workers. It guarantees benefits in the event of professional and non-professional accidents (as soon as the occupation reaches 8 hours per week), as well as in the event of professional illnesses.

Depending on your area of activity, accident insurance must be entrusted either to SUVA or to a private insurance company.

Insurance coverage provided by the LAA

Daily allowance in the event of inability to work

• 80% of salary, from the 3rd day after the accident.

Permanent disability

• Pension corresponding to 80% of salary
• Indemnities for the helpless and for breach of integrity

Death

• Survivors’ pension (spouse and children)

Healing costs

• Hospitalization in the common ward
• Outpatient treatment, transportation costs, etc.

Insured salary

• Maximum CHF 148’200.- per person per year