Accident insurance (UVG)
Accident insurance under the UVG is mandatory for all employees; the employer bears the premium for occupational accidents, may deduct the premium for non-occupational accidents from the employee, and the salary is insured up to a maximum amount.
Definition
Anyone working less than eight hours a week for an employer is insured there only against occupational accidents — a rule regularly overlooked with part-timers and casual staff. Depending on the industry, Suva or a private insurer is responsible.
Above the maximum insured salary there is no cover from the mandatory scheme. Businesses with higher salaries take out supplementary insurance; otherwise a gap arises in the event of a claim which the employer has to explain.
The numbers
- 8 hours
- weekly hours below which only occupational accidents are insured UVV
Where to read it
What the software must be able to do
Check whether several premium rates and business units can be maintained, whether the maximum salary is respected, and whether the non-occupational accident deduction can be controlled per employee. Businesses with mixed activities often have two rates.
Checked Aug 2026
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