The list of monetary benefits offered by military insurance is the most extensive of all types of social insurance and the compensation paid is more generous.
If the person covered by military insurance is fully or partially incapacitated for work following an insured accident or illness, they are entitled to a daily allowance. It is payable from the day after the incapacity to work and is equal to 80% of the income of which the insured person is presumed to have been deprived. The income taken into account may not exceed CHF 152,276 for 2017 and 2018.
The entitlement to a daily allowance ends when the person recovers full capacity for work or is granted an invalidity pension, or when the insured person dies.
During the professional rehabilitation period, the insured person receives a daily allowance or a redeployment income.
Invalidity and old-age pension
If the person covered by military insurance becomes incapacitated for work following an accident or disease, or if their full or partial incapacity for work is presumed permanent or long term, they are entitled to an invalidity pension.
This entitlement starts as soon as it becomes clear that continuing treatment is not likely to bring about a marked improvement in the state of the insured person’s health, or when any rehabilitation measures have failed.
The entitlement to a pension ends when the insured person recovers full capacity for work, when they die or when they reach the age at which they are eligible to receive an OASI pension.
When the insured person reaches the age at which they are eligible to receive an OASI pension, the invalidity pension is replaced by an old-age pension from the military insurance, which amounts to half of the invalidity pension they previously received. It is payable until the insured person’s death and cannot be adjusted.
If an insured person dies from an insured accident or illness, their beneficiaries (spouse, divorced spouse, children, mother and father) are entitled to receive a survivors’ pension.
Survivors’ pensions are calculated according to the annual income of the deceased insured person and cannot exceed the maximum insured annual income. The surviving spouse is entitled to 40% of the annual income of the deceased insured person, the divorced spouse to 20% provided the deceased insured person still had to pay him/her maintenance contributions, orphans to 15% and the mother and father to 20% each provided there are no other survivors who need it. The accumulated survivors’ pensions cannot exceed 100% of the annual income of the deceased insured person.
If an insured person suffers a significant and lasting loss of physical or mental integrity following an insured accident or illness, they are entitled to an integrity allowance which is usually capitalised. The amount paid depends on the degree of the damage to integrity.
In the event of death following an accident while on duty, or in the event of a sudden fatal disease while on duty, the insured person’s family members are entitled to compensation for moral damages. The amount is calculated in the same way as in tort law.
If the damage to health covered by the military insurance leads to the death of the insured person, a funeral allowance is paid that amounts to one tenth of the maximum annual insured income.
Compensation for professional training costs
If the mother and father or spouse of the insured person covered significant professional training costs for the insured person who died following an insured accident or disease, they are entitled to fair compensation.
Last modification 05.07.2018