As an employer in Switzerland, you are required to cover your employees against occupational accidents (AP) and, depending on working hours, against non-occupational accidents (ANP). Additionally, implementing a loss of income insurance in case of illness (PGM) is highly recommended, if not essential, to secure employment relationships and prevent unexpected costs for the employer.
Hevea Invest supports you in implementing insurance solutions tailored to the size of your company, your industry, and your legal obligations.
Mandatory from the first employee, it covers:
Optional but highly recommended, it allows for:
✓ Rigorous selection of approved LAA insurers and PGM specialists
✓ Optimization of deductibles, waiting periods, and premiums
✓ Comprehensive administrative management of affiliations and claims
✓ Legal support in case of a dispute with an insurer
Yes, from the moment an employee is hired, even if part-time or on a fixed-term contract. Insurance is mandatory for occupational accidents, and also for ANP if the employee works at least 8 hours per week.
Yes, from the moment an employee is hired, even if part-time or on a fixed-term contract. Insurance is mandatory for occupational accidents, and also for ANP if the employee works at least 8 hours per week.
The employer pays the full premiums for occupational accidents. For non-occupational accidents, the premiums are legally the responsibility of the employee, but are often advanced by the employer through the payslip.
Yes, under the LAA, the employer chooses the approved insurer. Hevea Invest helps you compare offers in terms of benefits, claims management, and cost.
No, but in the absence of a PGM contract, the employer must adhere to salary payments for a specified duration according to cantonal scales (art. 324a CO). A PGM limits this risk and clarifies contractual obligations.
An undeclared claim or poor coordination with the insurer can delay compensation, create tensions with the employee, and expose the company to lawsuits or disputes. We ensure complete and swift management of cases.
Anticipate unexpected health issues with compliant and effective coverage. Our experts advise you on the best LAA and PGM options for your organization.
