Accident insurance is compulsory by law. If you work at least eight hours per week for the same employer, your employer must take out insurance to cover you against the financial consequences of occupational and non-occupational accidents. If you are not employed, you are covered by the accident insurance element of mandatory healthcare insurance under the KVG.

It may also be advisable to take out more comprehensive cover. SWICA’s Infortuna medical expenses plan offers accident insurance with comprehensive cover. You benefit from full cover for the costs of outpatient and inpatient treatment worldwide. You are also entitled to a single room and a free choice of doctor and hospital. SWICA also offers you other generous benefits in areas such as complementary medicine, emergency transport and rescue operations.

The cost of compulsory accident insurance depends on whether you are insured through your health insurance or your employer. For optimal protection with additional benefits we recommend the outstanding Infortuna accident insurance, which covers the full costs of treatment anywhere in the world. Get a quote using the SWICA premium calculator.

Yes, provided you are registered with the unemployment insurance fund, in which case you are insured with SUVA against occupational and non-occupational accidents. If this is not the case, contact your SWICA Customer Services team.

If an employee works at least eight hours per week for an employer, their employer is obliged to take out insurance to cover them against occupational and non-occupational accidents. If you work less than eight hours a week, you must add the accident cover by contacting your SWICA Customer Services team or completing the online form.

You can add or remove the accident cover to/from your mandatory basic insurance in the following ways:

• Complete the online form
• Contact SWICA Customer Services

Please note that you may only remove the cover from your mandatory basic insurance if you work at least eight hours per week for your employer, as you are then insured through your employer against the consequences of an accident.