Insured persons who are fully insured against the risk of (occupational and non-occupational) accidents in accordance with the Federal Act on Accident Insurance (UVG) can apply to their health insurer for suspension of accident cover.
Persons working at least 8 hours per week for an employer in Switzerland are fully insured against the risk of accidents under the UVG. They can therefore apply to their health insurer for suspension of accident cover.
Persons who are not (or no longer) employed or who work less than 8 hours per week – e.g. children, housewives, househusbands, students and pensioners – are not compulsorily insured under the UVG. They are therefore required to obtain accident insurance as part of their compulsory health insurance.
The insurer can suspend accident cover on receipt of a written application providing evidence that the insured person is fully covered in accordance with the UVG (Art. 8 para. 1 KVG). The suspension takes effect at the earliest on the first day of the month following receipt of the application from the insured person. The premium is reduced accordingly (Art. 11 para. 1 KVV).
Last modification 17.08.2018