Insured persons

Liechtenstein employers are obliged to insure their employees against accidents and occupational diseases. In accident insurance, a distinction is made between occupational accidents, non-occupational accidents and occupational diseases.

Compulsory insurance covers employees working in Liechtenstein, including home workers, apprentices, trainees, volunteers, and persons working in sheltered employment or disability businesses. Persons who are employed by an employer for the purpose of clarifying career choices are also compulsorily insured for the duration of such employment.

Non-mandatory insured are:

• Persons engaged in a secondary occupation or office, on whose remuneration no AHV contributions are levied, for this activity;
• employee family members who do not receive cash wages and do not pay AHV contributions;
• Employees of legal entities and partnerships that are considered self-employed within the meaning of AHVG.

Part-time employees whose weekly working hours with an employer are less than 8 hours are insured against occupational accidents only. For these individuals, accidents on the way to work are considered occupational accidents.

Self-employed persons resident in Liechtenstein and their family members who work with them and who are not subject to compulsory insurance may take out voluntary insurance. The provisions on compulsory insurance apply mutatis mutandis to voluntary insurance.

Insurance benefits are generally provided in the event of occupational accidents, non-occupational accidents, occupational diseases and physical injuries similar to the consequences of an accident.

Commencement and termination of compulsory insurance

Insurance begins on the day the employee starts or should have started work on the basis of the employment, but in any case at the time the employee goes to work.

Insurance ends on the 30th day after the day on which entitlement to at least half wages ceases. Among other things, daily allowances from the mandatory accident insurance , health insurance, unemployment insurance and the disability insurance (IV) are also considered as wages, insofar as they replace the continued payment of wages.

Disability insurance

Insurance coverage for non-occupational accidents can be extended by an additional 180 days through so-called indemnity insurance if this is agreed within the 30-day follow-up coverage period.