Accident insurance: Who is compulsorily insured?

Every person working in Switzerland is insured against occupational accidents and diseases under the AIA. People who work at least eight hours per week for the same employer are also insured against non-occupational accidents. 

Every person in gainful employment in Switzerland is covered by accident insurance. This includes:

  • homeworkers, 
  • apprentices,
  • trainees, 
  • voluntary workers, 
  • persons working in trade schools or sheltered workshops, 
  • household staff, 
  • cleaning staff employed in private households.

In principle, unemployed persons are also covered by compulsory insurance.

Who is not covered by compulsory insurance?

Accident insurance does not cover non-employed persons, such as:

  • housewives and househusbands, 
  • children, 
  • students, 
  • pensioners.

These persons must arrange accident cover as part of their compulsory health insurance.  

Last modification 05.07.2018

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Federal Office of Public Health FOPH
Insurance Supervision Division
Section Accident Insurance, Accident Prevention and Military Insurance
Schwarzenburgstrasse 157
3003 Berne
Tel. +41 58 462 21 11

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