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All employees who work in Switzerland are obligatorily insured against accidents and occupational illnesses. Accident insurance (UV) covers damages that arise if insured persons have an accident or suffer from an occupational illness.
While it doesnt entirely fill the void of Workers Compensation, occupational accident coverage typically provides medical, disability, survivor, and death or dismemberment coverage for truck owner-operators leased onto a motor carrier if theyre injured on the job.
Occupational accident coverage (OCAC coverage) offers protection for independent contractors workplace injuries. The coverage is readily available through commercial trucking policies. Businesses that work with owner-operators often purchase it.
Is health insurance mandatory in Switzerland? Health insurance is mandatory in Switzerland. Babies must be insured within three months of being born, for example. Adults who have moved into the country have 90 days in which to join a Swiss health insurance plan or apply for an exemption.
Occupational insurance is the insurance coverage that covers employees who sustain injuries or lose their lives while on the job.

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Illness, accident and maternity are covered by basic insurance. If you work for more than eight hours with the same employer, you are covered for accident insurance through your employer. Additional accident cover via basic insurance is then not necessary.
Statutory and common employee benefits. Statutory benefits, also known as mandatory benefits, are entitlements that employers are obligated by law to provide to their employees. Common examples include benefits like paid annual leave, parental leave, workers compensation insurance, and paid sick leave.
Protection against the consequences of accidents The Swiss law on accident insurance (LAA/UVG) obliges you, as an employer, to insure your employees against the consequences of accidents and workplace illnesses.

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