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Insurance benefits are provided in the event of occupational accidents, non-occupational accidents and occupational illnesses.

Care benefits and reimbursement of expenses

Healing treatment: compulsory accident insurance covers the costs of:

• outpatient treatment by the doctor, dentist or on their orders by a person in another health care profession;
• medicinal or dental prescribed medicines and analyses;
• Treatment, food, and lodging in the general ward of a sanatorium;
• medically prescribed after-cures and spa cures;
• the medicines and therapeutic devices useful for the cure.

Costs for a medically prescribed home care and for aids that compensate for the physical damage or loss of function (eg prostheses), as well as costs for property damage, travel, transportation and rescue costs, funeral transportation and funeral costs are also covered.

In the case of medical treatment abroad, the insured person will generally be reimbursed a maximum of twice the amount of the costs that would have been incurred for treatment in Liechtenstein or in a suitable sanatorium closest to Liechtenstein.

Money benefits

The maximum amount of insured earnings is 148,200 Swiss francs per year. For the assessment of daily benefits, the last salary drawn before the accident applies; for the assessment of pensions, the salary drawn within a year before the accident applies.

Daily allowance benefits

If the insured person becomes fully or partially unable to work as a result of an accident, he or she is entitled to a daily allowance. In the event of full incapacity for work, it amounts to 80% of the insured earnings and is paid from the 2nd day after the day of the accident. In the event of partial incapacity for work, the daily allowance is reduced accordingly.

Invalidity pension

If the insured person becomes disabled as a result of an accident, he or she is entitled to a disability pension from a 10% disability. In the case of full disability, it amounts to 80% of the insured earnings; in the case of partial disability, it is correspondingly less. If the insured person is entitled to an old-age, survivors' or disability insurance pension (AHV ), the accident insurance will grant him or her a complementary pension that supplements the AHV / IV pension up to 90% of the insured earnings. Should the degree of disability of the pension recipient change significantly, the pension will be increased, reduced or cancelled accordingly.

Integrity compensation

If the insured suffers permanent substantial damage to physical or mental integrity as a result of the accident, he is entitled to appropriate integrity compensation in the form of a lump-sum benefit.

Helplessness compensation

Whoever is permanently dependent on the assistance of third parties for daily living activities or personal supervision due to disability is entitled to a helplessness allowance. The amount of the helplessness allowance is assessed according to the degree of helplessness.

Survivor pensions

If the insured person dies as a result of the accident, the surviving spouse and children are entitled to a survivor's pension under certain conditions.

The survivors' pensions amount to of the insured earnings:

• for widows and widowers 40%
• for half-orphans 15%
• for full orphans 25%

for several survivors together but not more than 70%.

If the survivors are entitled to pensions from the old-age, survivors' or disability insurance (AHV ), they are granted a complementary pension, which supplements the AHV / IV pension up to 90% of the insured earnings.