Accident insurance

Whether at work or elsewhere: accidents can happen suddenly. Luckily, occupational accident insurance from Generali provides your company and the employees in question with quick and straightforward help.

Image Not Found Covers treatment costs and a daily allowance
Image Not Found 24-hour assistance hotline for emergencies
Image Not Found Includes prevention services
Image Not Found Easily declare salary online
Overall rating
star star star star star
of reviews
Compulsory accident insurance in brief

Accident insurance is compulsory: the Federal Accident Insurance Act (UVG) requires all employers to insure their workforce against accidents. It also sets out the minimum benefits that are to be provided by this form of insurance. Offering additional benefits not only strengthens your protection, it also makes you more attractive as an employer.

Your benefits

Bespoke protection

For you, your business and your employees.

  • Covers treatment costs and a daily allowance
  • Includes disability pension, survivor's and widows pensions
  • Supplementary benefits such as home help and retraining
  • Advice on prevention services
  • Support for professional reintegration

Coverage types in detail

What is covered?
The compulsory benefits under occupational accident insurance include:

  • the cost of medical treatment, medication, hospitalisation and therapies
  • daily allowance for loss of income
  • disability pension if the accident leads to disability
  • survivors’ and widow’s pensions if the accident results in death
  • financial compensation if the accident caused restrictions to perform simple, everyday tasks

What supplementary insurance is available?
To enable your employees to enjoy an even better protection, you can take out additional cover for the following benefits:

  • cost of a private ward in hospital
  • financial compensation if the accident results in disability or death
  • higher daily allowances or additional pensions (supplementing the compulsory pension)
  • cover for accidents caused by gross negligence and reckless behaviour

Our team of advisors for your company

Protect what’s important to your company. We’re happy to advise you personally.
Practical example

Marie Arnold runs a young consulting company that has two employees. One of these, Kurt Fischer, is involved in a traffic accident on his way to work.  He is badly injured and taken immediately to hospital. Complicated knee surgery is followed by a long period of rehabilitation in hospital, with many sessions of physiotherapy.  Kurt Fischer is strongly advised to undergo special therapy at a rehabilitation clinic.

Fortunately, Marie Arnold has insured her employees well  and doesn't have to bear the consequences of the accident alone, so soon after setting up her own company.  Loss of income, outpatient treatment, hospital stay, medication and therapy:  Generali pays for it all. What’s more, thanks to the supplementary insurance that Marie Arnold has taken out, Generali pays a daily indemnity equal to 100% of the salary right from the very first day. The accident insurance has saved the company, which could never have borne all these costs on its own.

Accidents can happen in the blink of an eye – protect yourself and your employees.

Customer opinions

Eva T. 30.04.2024
* * * * *
Said Abd El Ham 29.04.2024
* * * * *
Juha-Pekka P. 28.04.2024
* * * * *
Gaurav M. 26.04.2024
* * * * *
Kulyk T. 26.04.2024
* * * * *
Antony Lloyd Pr 17.04.2024
* * * * *
Rogior Maarten 12.04.2024
* * * * *
Tugrul I. 12.04.2024
* * * * *
Andrea S. 07.04.2024
* * * * *

Questions and answers

Report an insured event

Do you want to report a claim? We are here for you.

0800 881 882