Premiums in 2027 will remain stable—at historically low levels
Suva looks back on a successful 2025 fiscal year: The net income for the year amounts to 308 million Swiss francs. A very solid underwriting result and a strong year for investments further strengthen Suva’s financial stability. Policyholders will benefit directly from this in the 2027 premium year: The 20 percent refund of surpluses from investment income will continue, and premiums will remain stable at historically low levels.
Suva’s net income for 2025 amounts to 308 million Swiss francs. All lines of business, namely occupational and non-occupational accident insurance, are financially sound and well-capitalized. This is also reflected in the solvency ratio, which is an important indicator of an insurer’s financial stability. It remains at the upper limit of 190 percent set by the Suva Council and is thus well above the statutory minimum requirement of 100 percent.
Suva’s assets are entirely earmarked for specific purposes. It covers the obligations for approximately 73,000 current pensions as well as future medical expenses, daily benefits, and other insurance benefits resulting from past accidents and occupational diseases. This ensures that future generations will not have to bear the costs of past accidents.
Refunds due to strong investment performance
The portfolio is broadly diversified across fixed-income investments and real assets. Following turbulence in the first quarter, the 2025 investment year was marked by a recovery in the stock markets. In this environment, Suva achieved an investment return of 4.3 percent. This is above the average of 3.4 percent for the past ten years.
Suva is a non-profit organization and passes on surpluses to policyholders in the form of premium reductions. The Suva Council has decided to continue the reimbursement of investment surpluses that took place in previous years and to reimburse 20 percent of net premiums for both occupational and non-occupational accident insurance in 2027. This represents a relief of approximately 709 million Swiss francs for policyholders and makes an important contribution to strengthening Switzerland as a business location in the current difficult geopolitical situation.
The Suva Council, which is composed of representatives of employers, employees, and the federal government, decides annually on the allocation of any remaining surpluses. This decision is based on the current financial situation.
Workplaces Are Becoming Safer: Risk of Workplace Accidents Has Declined Again
In 2025, occupational accidents and occupational diseases fell by 0.9 percent to approximately 166,000 cases. Non-occupational accidents rose by 2.8 percent to approximately 296,000 cases. Over the past 10 years, the accident risk in occupational accident insurance (newly registered accidents per 1,000 insured persons) has been reduced by 13 percent. In the leisure sector, the accident risk increased slightly. Suva offers various prevention programs and consulting services in the area of workplace and leisure safety. Consulting and training strengthen the safety culture within companies. They raise awareness of hazards and encourage personal responsibility. All these measures help prevent accidents and occupational diseases.
Suva’s net income for 2025 amounts to 308 million Swiss francs. All lines of business, namely occupational and non-occupational accident insurance, are financially sound and well-capitalized. This is also reflected in the solvency ratio, which is an important indicator of an insurer’s financial stability. It remains at the upper limit of 190 percent set by the Suva Council and is thus well above the statutory minimum requirement of 100 percent.
Suva’s assets are entirely earmarked for specific purposes. It covers the obligations for approximately 73,000 current pensions as well as future medical expenses, daily benefits, and other insurance benefits resulting from past accidents and occupational diseases. This ensures that future generations will not have to bear the costs of past accidents.
Premiums in 2027 will remain at historically low levels
The favorable trend in accident risk in occupational accident insurance makes it possible to reduce average gross premiums by 0.8 percent. In non-occupational accident insurance, the underwriting result has led to an improved financial position and allows for a 0.7 percent reduction in the average gross premium despite a slight increase in risk trends. The average premium burden thus remains stable at the historic low of the previous year. In the individual insurance classes, premiums are adjusted upward or downward in line with the risk trend.
Rehabilitation and reintegration – key to long-term success
A successful return to work means a better quality of life for those affected and also helps limit the long-term costs of accidents. The key to this is the interplay between medical care, support from employers, and the individual’s personal environment. With the campaign «Being there helps. No matter how,» launched in 2025, Suva drew attention to the importance of the social environment in the healing process. The two rehabilitation clinics in Bellikon and Sion also play a central role. They make an important contribution to the recovery and reintegration of accident victims.
