In accordance with the federal law on accident insurance (LAA), in your capacity as employer you have to insure your personnel against the consequences of professional accidents and sickness.
With the solutions on the market, you can insure the compulsory benefits, and also provide an optimum risk cover for your employees.
Accident insurances offer a complete cover of recovery and rehabilitation costs, daily allowance for temporary working disability, permanent invalidity due to incapacity to work, and protection for family survivors.
Basic insurance covers the following benefits:
In case of total disability: 80% of the insured salary.
Maximum insured salary: CHF 126,000 (as at 1.1.2008).
The daily allowance is paid from the 3rd day following the accident and until the insured has recovered his/her full working capacity, dies or becomes an invalid.
In case of total invalidity: 80% of the insured salary, to the max. 90% of the total with an AI pension or AVS.
Achieved in full according to the official scale, to the maximum of CHF 126,000, without considering a possible entitlement to an invalidity pension.
Partner’s pension: 40% of the insured salary
Pension of the orphan of father or mother: 15% of the insured salary
Pension of orphan of father or mother: 25% of the insured salary
The pensions of survivors are limited to a total of 70% of the insured salary, up to the max. of 90% of the total, including AI or AVS pension.
With this you can insure your employees in a complementary sense beyond the compulsory benefits.
Benefits in the form of capital or pension for the LAA salary insurance and the excess salary.
If the accident were caused unintentionally by a mistake on the part of the insured, or in the case of extraordinary dangers or acts of bravery, the LAA insurer can reduce or refuse its benefits. The cover for this difference enables you to arm yourself against such measures. Companies insured with SUVA can insure the missing benefits over and above the compulsory level.
The MyProject specialists will advise you on the most suitable insurance solution for your needs and will answer all your questions about your LAA accident insurance.