How much does compulsory accident insurance (UVG) cost? Generali shenanigans?

Finance, Taxes, Banking, Insurance and Retirement
1

Is there anyone here who’s self-employed or anyway taking UVG out of their pockets and is willing to share how much it costs? I am starting ANobAG, so far I asked quotes to Generali, Axa, Swiss Life, Zurich.

Only Generali so far got back to me with a proposal and it feels… expensive? 2’442 CHF/year for the capped salary of 148’000 CHF. A friend of mine with a different insurer only pays 1’444 CHF for an insured salary of about 127k CHF, so I’m feeling ripped off.

Another things that I’m not convinced about: Generali initially got my salary wrong at the phone, and sent me a proposal for a much higher salary than I have. The premium per year was quite higher, despite still being for the same salary cap of 148’200 CHF. Why should this be different?

Finally, they also sent me a proposal which includes a complementary insurance that covers my excess salary over the 148’200 CHF cap. It looks like the price skyrockets like crazy, i.e., it is not linear. Is that normal?

2

Insurance cost varies according to the risk which is job-related, mostly it works out to around 1.1% of the annual salary

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3

Of my annual salary or of the insured salary? I assume it must be “insured” salary, otherwise it wouldn’t make sense, no?

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4

I’m not sure if it’s the same as UVG, but for us non-employed people the compulsory accident insurance is just a small addition on top of the regular health insurance. Something like 5 or 10 francs per month extra, so nowhere near the figures mentioned here.

I’m sure I must have misunderstood something.

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5

The UVG insurance includes coverage for salary payments while sick, maybe other stuff also.

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6

Ah right, yeah, of course. Ta.

7

Does it?

Accident (UVG) isn’t illness (covered for 1-3 months by law by the employer, or for up to 720 days if there’s a Krankentaggeld-versicherung/insurance).

8

We are talking about ANobAG :roll_eyes:

9

Yes, correct, ANobAG is a form of quasi-self-employment, so the employer does not pay accidents or salary while I’m sick, this is why UVG is compulsory. It’s not the same as the accident coverage on top of health insurance for unemployed people.

Still no updates from the other insurers, if I don’t get anything very soon Im afraid I’ll be stuck with Generali…

10

Can you get insurance direct from SUVA?

11

No, that was my first idea, but apparently SUVA does not offer UVG to ANobAG in the IT sector, only to blue-collar, construction workers, etc.

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Update: I got an offer from Axa which is quite cheaper (approx 600 CHF/year less) at almost the same coverage, so I guess I’ll go with that. SwissLife (through their partner Helsana) and Zurich both refused to insure me without proof of ANobAG. My guess is that Zurich also has an external partner for this, and probably if I reached out to the partners (Helsana etc) directly, I could have pushed them more, but whatever.

Regarding the price skyrocketing for the higher coverage, apparently that’s how it works: the UVG part is a small % of salary up to 148’200 CHF, and over that the % is much higher.

I’m a bit pissed with Generali, usually they offer the best coverages but 1) they are extremely expensive, and 2) at least in the case of my personal “Beraterin”, she’s a bit messy, the first time she sent me the wrong offer, and then she was not able to explain me the difference between two different offers.

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