If you are a salaried employee, your employer is obliged to take out accident insurance for you, and a premium is deducted from your salary. The same system applies to employees who work from home and to trainees.
If you are registered unemployed, providing you receive unemployment benefits you are automatically insured via the Swiss National Accident Insurance Fund (Suva) in case of accident. The premium is deducted from your benefits.
It you are self-employed you must take out personal accident insurance.
In all other cases you are not covered by accident insurance specifically. Instead, accidents are covered as a risk under your compulsory private health insurance. This applies to stay-at-home partners, children, students and retirees, etc. Check your health insurance policy to make sure that you have accident cover.
Medical expenses
Daily allowance / salary payment
Other cash benefits
The Federal Office of Public Health offers a range of information on accident insurance.
Visit the Suva website for details of accident insurance if you are unemployed (website available in German, French and Italian).