Every Swiss employer must insure its employees with an authorised accident insurer (Suva, private insurers, or pension-fund-linked solutions). Employees working at least 8 hours per week for the same employer are covered also for leisure-time accidents (NBU); below that threshold, only on-the-job accidents are covered.
Employers pay the occupational accident premium (BU); employees pay the non-occupational portion (NBU), usually 1–2% of gross salary, automatically deducted from the payslip. Benefits include 100% medical costs, daily allowances of 80% of insured salary from day 3, and an invalidity pension up to 80% of salary.
If covered by UVG, the worker's normal health insurance excludes accident coverage and the basic-insurance premium can be reduced accordingly (Unfalldeckung ausschliessen). This typically saves CHF 5–10 per month.
An employee earning CHF 7,000 gross per month pays a 1.4% NBU premium = CHF 98 per month for full leisure-time accident cover. Their basic health-insurance premium is reduced by about CHF 7 per month for excluding accident risk.