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An accident is defined as any damaging, sudden and involuntary injury caused to the human body by an extraordinary external cause, resulting in an impairment of physical or mental health.
If an accident victim requires medical treatment, the costs will be covered by accident insurance.
KVG compulsory health insurance (basic/general) also covers treatment costs for an accident if accident coverage is included. The insured person has the right to treatment, food and accommodation in the general ward of a hospital in the canton of residence. Anyone without UVG accident insurance, such as students or non-working persons, is insured under KVG basic health insurance.
Accident insurance according to the Accident Insurance Act (UVG/general) provides much better protection than KVG compulsory basic health insurance with accident coverage. A person insured with UVG accident insurance must not contribute by either a franchise or a deductible to the treatment costs. In addition, UVG accident insurance provides further benefits in case of accident: daily allowance, disability pension, compensation, attendance allowance and survivor’s pension. All employed individuals are in principle insured with UVG accident insurance.
If you want the best possible insurance in case of accident, it pays to take out additional semi-private/private accident coverage. This guarantees you the same benefits as supplementary insurance in the case of illness.