When does accident insurance cover begin and end?

Cover starts on the date on which employment or entitlement to a salary begins – at the latest when the person starts their journey to work. It ends on the 31st day following the day on which the employee’s entitlement to at least half of the previous salary ends.

What else counts as a salary?

Salary in this case includes daily allowances paid under compulsory accident insurance, military insurance, disability insurance, loss-of-earnings compensation or health insurance; private health and accident insurance benefits received in lieu of continued salary payments; and cantonal maternity insurance benefits.

Interim accident insurance

By taking out interim accident insurance, the person insured can extend cover for non-occupational accidents by up to six months.

Part-time employees and posted workers

For part-time employees who do not have non-occupational accident insurance, compulsory accident insurance cover ends as soon as their journey home has been completed on the last day of work.

Workers posted abroad for a limited period by an employer resident or domiciled in Switzerland retain their insurance cover.

Suspension of accident cover included in health insurance

Employees who are compulsorily insured against not only occupational but also non-occupational accidents can apply to their health insurer for suspension of accident cover. The health insurance premium will be reduced accordingly.

Last modification 23.04.2020

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

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