In Switzerland, the consequences of occupational accidents, occupational illness and accidents outside of work are absorbed for all employers by the statutory LAI insurance. With Helvetia accident insurance, companies and employees both enjoy comprehensive protection.
In many respects, every company bears a great responsibility for its employees. One of the components of the collective personal insurance is the compulsory accident insurance according to LAI (accident insurance law). Its benefits can be individually adapted to meet the needs of your company with the advantageous solution from Helvetia.
The important thing to know is that companies in the building, transportation and processing sectors as well as in industry and the energy business have to be insured with SUVA by law. All other companies will find themselves in good hands with Helvetia accident insurance.
The compulsory accident insurance according to LAI covers the minimum social security benefits – but to ensure that those affected enjoy optimum security in case of an accident, you can conclude the LAI supplementary insurance with Helvetia. This is also available to companies insured with SUVA.
The LAI insurance covers not only the costs of out- and in-patient treatment, pension entitlements as a consequence of the damage, a daily allowance and compensation in case of loss or the loss of use of individual limbs. In case of a claim, everyone benefits from active claims management with efficient inspection.
With the LAI supplementary insurance that can be precisely tailored to the needs of employees with its modular system, those affected are much better off in case of a claim: the lump-sum payable on death is paid out to dependents in additional to the statutory pension, the lump sum disability benefit serves to provide financial security in the case of long-term damages and the daily allowance in case of incapacity for work covers the obligation to continue salary payment as agreed in the employment contract. And: Any hospital costs incurred at home and abroad that are not covered by the LAI insurance are also covered. Another advantage for your company is a cost reduction through profit sharing where there is a favourable claims history.