832.20 UVGLAALAINF

CH

Art. 37 Bundesgesetz vom 20. März 1981 über die Unfallversicherung (UVG) - Verschulden des Versicherten

UVG; Dritter Titel: Versicherungsleistungen; 3. Kapitel: Kürzung und Verweigerung von Versicherungsleistungen aus besonderen Gründen

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Art. 37 UVG · Verschulden des Versicherten

Hat der Versicherte den Gesundheitsschaden oder den Tod absichtlich herbeigeführt, so besteht kein Anspruch auf Versicherungsleistungen, mit Ausnahme der Bestattungskosten.

In Abweichung von Artikel 21 Absatz 1 ATSG werden in der Versicherung der Nichtberufsunfälle die Taggelder, die während der ersten zwei Jahre nach dem Unfall ausgerichtet werden, gekürzt, wenn der Versicherte den Unfall grob fahrlässig herbeigeführt hat. Die Kürzung beträgt jedoch höchstens die Hälfte der Leistungen, wenn der Versicherte im Zeitpunkt des Unfalls für Angehörige zu sorgen hat, denen bei seinem Tode Hinterlassenenrenten zustehen würden.

Hat der Versicherte den Unfall bei nicht vorsätzlicher Ausübung eines Verbrechens oder Vergehens herbeigeführt, so können ihm in Abweichung von Artikel 21 Absatz 1 ATSG die Geldleistungen gekürzt oder in besonders schweren Fällen verweigert werden. Hat der Versicherte im Zeitpunkt des Unfalles für Angehörige zu sorgen, denen bei seinem Tode Hinterlassenenrenten zustünden, so werden Geldleistungen höchstens um die Hälfte gekürzt. Stirbt er an den Unfallfolgen, so können die Geldleistungen für die Hinterlassenen in Abweichung von Artikel 21 Absatz 2 ATSG ebenfalls höchstens um die Hälfte gekürzt werden.

← Art. 36 UVG Bundesgesetz vom 20. März 1981 über die Unfallversicherung (UVG) Art. 38 UVG →

Gerichtsentscheide zu dieser Bestimmung (259)

VVGE.2003.04.Nr.40 · ow (Art. 37 Abs. 3 UVG)

Drunk motorcyclist's insurance benefits reduced due to intoxication.

This provision is the legal basis for the reduction of insurance benefits due to the insured committing an offense or crime.

VVGE.2007.08.Nr.43 · ow (Art. 37 Abs. 1 UVG)

Accident Insurance Denied for Intentional Suicide Attempt Due to Lack of Impaired Rationality

This provision is cited as the basis for the general exclusion of insurance benefits in cases of intentional self-harm, from which exceptions are made under specific conditions.

A/1820/2025 · ge (Art. 37 al. 2 LAA)

Insured's Appeal of 10% Indemnity Reduction for Gross Negligence Dismissed

The court confirmed the reduction of daily allowances based on the insured's gross negligence in causing the accident.

UV.2024.74 · sg (Art. 37 Abs. 1 UVG)

Appeal Dismissed: Termination of Accident Insurance Benefits and Denial of Disability Pension

Cited in the reasoning section (E. 1.1) regarding the exclusion of benefits in case of intentional injury, although the final order leaves this question open and dismisses the appeal on other grounds.

UV.2023.00154 · zh (Art. 37 Abs. 2 UVG)

Accident Benefits Reduction for Carbon Monoxide Poisoning Case

The court found that the insured acted grossly negligently and this provision allows for a reduction of benefits in such cases.

35.2024.45 · ti (Art. 37 cpv. 3 LAINF)

Insured Pension Increase Confirmation and Appeal Rejection

Cited in the dispositive (Order 1) as the basis for confirming the 30% reduction applied to the disability pension.

A/1909/2024 · ge (art. 37 LAA)

Mountaineer Lightning Strike Benefits Appeal

This article addresses benefit reduction in case of grave negligence, which was examined alongside the claim for reckless act reduction.

UV.2023.52 · sg (Art. 37 Abs. 3 UVG)

Intoxicated E-Scooter Fall and Reduced Disability Benefits for Subsequent Surgical Complications

This provision was the legal basis for the initial decision to cut the insured benefits due to the accident occurring while committing an offense, and the court confirmed this basis.

S2 22 77 · vs (Art. 37 Abs. 3 UVG)

Insured's Liability for Accident Insurance Overpayment Following Brawl Exclusion and Third-Party Payment

Cited regarding the requirement for an objective criminal offense for benefit reduction.

VBE.2023.66 · ag (Art. 37 Abs. 1 UVG)

Widow Denied Benefits After Suicide Ruled Intentional

This provision states that there is no entitlement to insurance benefits if the insured intentionally caused the health damage or death, with the exception of burial costs. The court used this to deny benefits beyond burial costs due to suicide.

200 2022 499 · be (Art. 37 Abs. 2 UVG)

Motorcyclist Speeding in Wheelie Fails to Overturn 30% Daily Benefit Reduction for Gross Negligence

The court confirmed the reduction of daily allowances based on the insured person having grossly negligently caused the non-occupational accident.

VBE.2022.350 · ag (Art. 37 Abs. 2 UVG)

Insured Entitled to Full Benefits Despite Speculative Police Report

The court ruled that a reduction of benefits under this provision was not applicable because it was not established that the insured person caused the accident through gross negligence.

VBE.2022.350 · ag (Art. 37 Abs. 3 UVG)

Insured Entitled to Full Benefits Despite Speculative Police Report

The court ruled that a reduction of benefits under this provision was not applicable because it was not established that the insured person caused the accident while committing a misdemeanor or felony.

35.2022.82 · ti (Art. 37 cpv. 2 LAINF)

Insurer's Reduction of Benefits Upheld Due to Presumed Gross Negligence (Failure to Wear Seatbelt)

The court confirmed the reduction of daily allowances based on the finding of serious negligence (not wearing the seatbelt).

Arr.t.2022.880 · vd (Art. 37 al. 1 LAA)

Accident Insurance Benefits Denial for Intentional Act (Suicide) Finding Retained Capacity

The court confirmed the underlying decision which denied benefits based on the intentional nature of the act (suicide), except for funeral costs, which is the exception provided for in this article.