Monetary benefits

The list of monetary benefits offered by military insurance is more extensive than those of other social insurance schemes, and the payments made are more generous.

Daily allowances

Persons who are wholly or partly unfit for work as a result of an accident or illness covered by military insurance are entitled to receive a daily allowance. It is payable from the day after they become unfit for work and amounts to 80% of their expected loss of income. The maximum annual income currently applicable is CHF 152,276.

The entitlement to a daily allowance ends when the person regains full capacity for work, is granted a disability pension, or dies.

During occupational rehabilitation, insured persons receive a daily allowance or retraining benefit.

Disability and old-age pensions

Persons covered by military insurance are entitled to receive a disability pension if they have become disabled as a result of an accident or illness and their complete or partial incapacity for work is presumed to be permanent or long-term.
This entitlement starts as soon as it becomes clear that no significant improvement in health can be expected from continued medical treatment, and any rehabilitation measures have been ineffective.

The entitlement to a pension ends when the person concerned regains full capacity for work, reaches AHV retirement age, or dies.

When the insured person reaches AHV retirement age, the disability pension is replaced by a military insurance old-age pension, which amounts to half of the disability pension previously received. It is payable until the insured person’s death and is not subject to revision.

Surviving dependants’ pensions

If a person dies as a result of damage to health covered by military insurance, the eligible relatives (spouse, divorced spouse, children, mother and father) are entitled to receive a surviving dependants’ pension.

Surviving dependants’ pensions are calculated on the basis of the insured annual income of the deceased, which must not exceed the maximum insured annual income. The surviving spouse is entitled to receive 40% of the insured annual income of the deceased; the divorced spouse is entitled to receive at most 20%, provided that the deceased was obliged to make maintenance payments to him/her; orphans are entitled to receive 15%, and the mother and father of the deceased 20% each, provided that there are no other surviving dependants and a need can be demonstrated. The surviving dependants’ pensions combined must not exceed 100% of the insured annual income of the deceased.

Pensions for damage to integrity

If a person suffers a substantial, permanent loss of physical, mental or psychological integrity as a result of an accident or illness covered by military insurance, they are entitled to a receive a pension for damage to integrity, which usually takes the form of a lump-sum settlement. The amount paid depends on the degree of damage to integrity.

Compensation

In the event of death resulting from an accident or illness during service, the insured person’s relatives are entitled to receive appropriate financial compensation. The amount is calculated as in liability law.

Funeral allowances

If the insured person dies as a result of damage to health covered by military insurance, a funeral allowance is paid, amounting to a tenth of the maximum insured annual income.

Compensation for occupational training costs

If the parents or spouse of the insured person had to bear substantial costs for the occupational training of the person who has died as a result of an accident or disease covered by military insurance, they are entitled to receive appropriate compensation.