Supplementary accident insurance for care services

Supplementary accident insurance is a useful add-on to compulsory accident insurance and covers additional costs that arise at hospital. It also covers costs for care at home, domestic help at home and health cures – for up to 5 years after an accident.

Calculate premiums

The monthly premium depends on age, place of residence and gender. Calculate your premium for 2027 and take out the insurance online in the next step.

Supplementary accident insurance in a nutshell

After an accident, it is not unusual to face a host of costs. These costs are not always covered by compulsory . Supplemental accident insurance for care services can fill these gaps.

Cover for hospital costs:
covers the costs of a stay on a general ward.
Home care and home help:
pays for care in your home and support with daily chores.
Additional cover:
covers emergency rescue costs and transport following an accident.
No health check:
policy can be arranged at any time without having to answer questions about your health.

This insurance is recommended for anyone who does not have accident insurance through an employer, such as children, students or anyone managing a household.

Supplementary accident insurance benefits

Supplementary accident insurance pays for the following care services after an accident within the 5 years following the accident date.

These explanations are based on the special conditions for supplementary accident insurance. They provide binding information about what the insurance covers.

Hospital stay
Supplementary accident insurance covers additional costs that may arise when you visit a hospital outside of your canton of residence. It only covers a stay on a general ward at a hospital on the .

The insurance does not cover the costs of chargeable services such as renting a bedside TV, drinks or snacks.
Medical aids
Supplementary accident insurance pays for glasses, hearing aids and prostheses, provided that these are required as a direct result of the accident. A doctor is also required to provide confirmation that these are medically necessary.
Home help
Supplementary accident insurance pays for domestic assistance in your home (home help) up to a maximum of CHF 5,000. This help can be provided by family members. The insurance will only pay out if the person providing the help furnishes evidence that they receive no salary for this work.

Useful documents

Special conditions for supplementary accident insurance for care services (PDF)General insurance conditions for supplementary insurance plans under the Insurance Policies Act (IPA) (PDF)

Frequently asked questions

What does statutory accident insurance cover?

in Switzerland covers the main costs following an accident. Everybody in Switzerland is legally required to have accident insurance. There are two options: you are either insured by your employer under the Accident Insurance Act (AIA) or you arrange cover with your health insurer as part of your basic health insurance under the Health Insurance Act (HIA).

Following an accident, accident insurance covers the costs for doctors, hospitals, medication, therapy and medical aids. If you are temporarily unable to care for yourself, it also covers the cost of care and domestic assistance in your home.

Who can benefit from supplemental accident insurance for care services?

This supplementary accident insurance is recommended for anyone who does not have accident insurance through an employer, such as children, students or anyone managing a household.

Contact us for advice

Our team is available Monday to Thursday, 8:00 to 12:00 and 13:30 to 17:00, Friday from 08:00 to 12:00 and 13:30 to 16:00. On request, we can also offer you a consultation at a pre-arranged time and date, for example during your lunch break.