Private accident insurance in Switzerland can be especially important for various groups of people:

Self-employed Individuals: Unlike salaried employees, self-employed individuals are not automatically insured against non-work-related accidents under the mandatory accident insurance (UVG). For them, private accident insurance can be essential to ensure comprehensive protection outside of work.

Part-time Employees: Individuals working less than eight hours a week are not covered by the UVG against non-work-related accidents. In this case, a private insurance can provide the necessary protection.

High-income Individuals: The mandatory accident insurance may only replace a portion of the actual income in some cases. People with a high income might therefore benefit from private accident insurance to close a potential income gap in the event of an accident.

People with Special Hobbies: Individuals engaged in high-risk activities or sports such as paragliding, mountaineering, or diving might have specific insurance needs that aren't covered by a standard accident insurance.

Frequent Travelers: Those who often travel abroad can benefit from private accident insurance, which offers global protection and includes special benefits abroad that go beyond regular statutory coverage.

Families: Parents might consider private accident insurance to ensure their children are well protected in all situations, especially if they engage in various activities in their free time.

Individuals without an Employment Relationship: People who are not gainfully employed, e.g., homemakers or retirees, might benefit from the additional coverage provided by private accident insurance.

Supplementary Coverage: Private accident insurance complements the benefits of the mandatory accident insurance and can offer better terms or higher compensations.