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As an employer, you are required by law to insure your employees for accidents. By taking out group supplemental accident insurance, you can offer your employees more benefits than they would receive under the basic state-mandated accident insurance. It provides your employees with attractive supplemental benefits so they are even better protected against the financial consequences of an accident – and boosts your attractiveness as an employer.
Supplemental accident insurance can be taken out for all the employees in a company who are insured as per the Accident Insurance Act. AXA’s supplemental accident insurance can be added to any existing mandatory accident insurance solution (even for coverage from another insurer).
AXA lets you put together a supplemental accident insurance solution that best aligns with the needs of your company and your employees. You can choose from the following benefits:
How much you pay for supplemental accident insurance depends on several different things. You can use our premium calculator (in German) to quickly and easily see how much the insurance will cost you.
There are no regulations governing how the costs of supplemental accident insurance are to be divided between employees and the employer. It is up to the employer to decide whether they would like to pay for accident insurance entirely themselves, split the costs with their employees or let their employees pay the full amount.
While the benefits for mandatory accident insurance are comprehensive, they are clearly limited under the law. As an example, accidents abroad are not fully covered – only a maximum of twice the amount of what the accident would cost in Switzerland is refunded. Nor does mandatory accident insurance pay for accidents caused by gross negligence.
For some companies it is worthwhile to supplement mandatory accident insurance – particularly if employees often work outside of Switzerland. Or if the company wishes to establish itself as an attractive employer in order to attract new talent.
