Income protection in Switzerland

Accident: separate LAA daily allowance from sickness cover

Income loss after an accident first depends on insured status, the event and the competent accident insurer. LAA cash benefits are examined individually and separately from sickness allowance.

2026-08-296 Official sources
Accident: separate LAA daily allowance from sickness cover

Distinctions that control the next step

Identify the competent insurer

Check the employer at the time of the event, occupational or non-occupational cover and the named insurer. The accident hub explains transition situations in more detail.

Separate reporting from information

Use only the employer's or accident insurer's procedure to report an accident. ClairAssur accepts no claim facts, supporting documents or case number.

Read the benefit decision

The insurer examines cover, incapacity, insured earnings and coordination under LAA. Request a written explanation instead of extrapolating an amount or period.

Verify the route in four steps

Identify the system, documents already held and competent body before drawing a conclusion; sensitive material remains in that body's official channels.

  1. Identify the competent insurer

    Check the employer at the time of the event, occupational or non-occupational cover and the named insurer. The accident hub explains transition situations in more detail.

  2. Separate reporting from information

    Use only the employer's or accident insurer's procedure to report an accident. ClairAssur accepts no claim facts, supporting documents or case number.

  3. Read the benefit decision

    The insurer examines cover, incapacity, insured earnings and coordination under LAA. Request a written explanation instead of extrapolating an amount or period.

  4. Obtain written confirmation

    Contact the competent employer, insurer, AI office or pension institution directly and use only its secure channel.

Limits and essential checks

  • No causation, incapacity, allowance, pension or LAA benefit start or end is confirmed here.
  • General information only: no incapacity is assessed automatically and no diagnosis is made.
  • No entitlement, amount, deadline, rate, acceptance or contract change is promised; only the competent body may decide under the applicable rules.
  • ClairAssur is not a reporting channel: do not send documents, health data, diagnoses, claim numbers or free-text case descriptions here.

Official sources

Sources are shown in an available official language; the current text and the competent body's decision prevail.

Next step

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