Accident insurance (UVG)
In one sentence
The compulsory employer-paid insurance covering occupational accidents and, from 8 hours a week, non-occupational ones.
What it changes for you
It covers treatment with no deductible or co-payment, pays a daily allowance from the third day and, in case of disability, a pension. Its weakness is the coverage gap: it stops thirty days after the employment relationship ends. Past that point you need either an extension agreement with the LAA insurer or to reactivate accident cover with your health insurer.