Solida Versicherungen

What Solida Versicherungen does

SOLIDA Versicherungen AG is a Swiss Aktiengesellschaft (stock corporation) specialising in accident insurance, founded on 15 September 1982 by Helsana (then Helvetia), Concordia, OSKA (now Swica) and santésuisse, and actively underwriting since 1 January 1983. The company writes three core lines: statutory mandatory occupational and non-occupational accident insurance under the Swiss Federal Accident Insurance Act (UVG-Basis / LAA), voluntary supplementary accident cover (UVG-Ergänzungs- und Zusatzversicherung / UVG-E/Z), and complementary VVG accident products including individual accident, travel, Abredeversicherung (convention insurance), collective, visitor, event, and school/student accident cover. SOLIDA serves Swiss employers (Geschäftskunden) of all sizes, private individuals and families (Privatkunden), and acts as a tied intermediary for a network of Swiss health insurers (agrisano, atupri, Concordia, EGK, Helsana, innova, ÖKK, RVK, Sodalis, Sympany, Surselva) that white-label its products to their own policyholders. The company is 50/50 owned by Helsana Unfall AG and CONCORDIA Beteiligungen AG, each with two board seats, and is supervised by FINMA with a Swiss Solvency Test (SST) ratio of 263% in 2025.

The technology stack is a conventional Swiss insurance platform. Customer-facing assets include a set of self-serve online product configurators at unfallversicherung.solida.ch, einzelunfall.solida.ch, reiseversicherung.solida.ch, abredeversicherung.solida.ch and French-language equivalents (assurance-accidents.solida.ch, assurance-voyage.solida.ch, assurance-accidents-individuelle.solida.ch) that deliver instant quotes and immediate digital policy issuance. B2B integration is delivered through the b2b.solida.ch electronic salary-declaration portal, which is certified to the Swissdec PUCS standard for encrypted payroll-data transmission, and through SunetOnline (web) and SunetPlus (Windows client) from BBT Software for claims notification and management. The standalone SolidaVita sub-brand (solidavita.ch) extends the offering into digital risk life insurance. Web properties use hCaptcha for bot protection and Google Analytics / Google Ads for analytics and remarketing, with customer data stored on Swiss servers.

The revenue model combines recurring insurance premiums (2025 gross premiums of CHF 125.324M, earned premiums for own account of CHF 123.954M, combined ratio 99.7%) with investment income on a CHF 746.771M capital portfolio that returned 4.5% in 2025 (CHF 19.946M). Distribution splits roughly 65% direct (own brokers and online configurators) and 35% indirect (partner health insurers). SOLIDA employs 71 staff (~62.9 FTE) across its Zürich-Altstetten headquarters and a Lausanne regional office serving French-speaking Switzerland, and reported FY2025 net profit of CHF 15.754M with the Board declaring a 100% dividend payout (CHF 10M) and CHF 5M allocated to voluntary reserves.

Name

Solida Versicherungen

Legal name

SOLIDA Versicherungen AG

Website

https://solida.ch

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

11–50 employees

Short description

SOLIDA Versicherungen AG is a Swiss specialised accident insurer offering mandatory UVG and voluntary supplementary accident cover to Swiss employers and individuals, distributed via partner health insurers, brokers and online configurators, and 50/50 owned by Helsana Unfall AG and CONCORDIA Beteiligungen AG.

Ownership category

akta.pro rank

Product category

Accident Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)

Keywords

• Accident insurance
• Mandatory UVG coverage
• Supplementary accident insurance
• Travel insurance products
• Claims management services

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain, Others

Revenue model

1. Insurance Premiums (Bruttoprämie / Earned Premiums): Recurring insurance premiums written across three core lines: Accident insurance for death and disability (UTI), Mandatory occupational/non-occupational accident insurance (UVG), and other VVG (individual accident, school accident, etc.). 2025 gross premiums: CHF 125.324M; earned premiums for own account: CHF 123.954M; combined ratio 99.7%. Distribution mix: ~65% direct (broker channel) and ~35% indirect (via partner health insurers).
2. Capital Investment Income (Kapitalanlageergebnis): Investment income from insurance capital investments (equities, bonds, alternative investments, real estate). 2025 investment result: CHF 19.946M on capital investments of CHF 746.771M (total performance 4.5%). Includes dividend/interest income, realised gains, write-ups, less depreciation and realised losses.
3. Reinsurance Cost Pass-through (Rückversicherung): Quoted-share reinsurance arrangements reduce gross premiums to net retained premium; retrocessions and reinsurer share of claims adjust the net underwriting result. 2025 retroceded share of gross premium CHF 1.408M; reinsurer share of claims CHF 4.605M.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels8 records

Core offering

SOLIDA Versicherungen AG is a Swiss FINMA-supervised accident insurance specialist offering mandatory UVG occupational/non-occupational accident cover, voluntary supplementary accident insurance, collective, visitor, event and school accident policies for businesses, as well as individual accident, travel, post-employment convention insurance and SolidaVita digital risk life insurance for private customers. The company writes approximately CHF 125.3 million in gross premiums annually, distributed through its own broker/online channel and a white-label partner network of Swiss health insurers.

Differentiator

Problem solved

Functional benefit

Brands

• SolidaVita: Digital risk life insurance product for private customers, addressing gaps in AHV/IV/pension coverage in case of death or invalidity due to illness or accident; offered in cooperation at solidavita.ch.

Products and services

• UVG-Basis (Mandatory Accident Insurance) Statutory occupational and non-occupational accident insurance under the Swiss Federal Accident Insurance Act (UVG) for Swiss employers and their employees. Covers a maximum insured salary of CHF 148,200 per year with legally defined medical-treatment, daily-allowance, invalidity and survivor benefits.
• UVG-Ergänzungs- und Zusatzversicherung (UVG-E/Z) Voluntary supplementary accident cover that closes gaps left by the mandatory UVG policy, including full salary continuation from day one, cover for earnings above the UVG maximum, lump-sum death and invalidity benefits, aesthetic-injury compensation up to CHF 20,000, and combination discounts for SOLIDA basis-policy holders.
• Kollektiv-Unfallversicherung Collective accident insurance for occasional voluntary workers, helpers of institutions, firms and associations who are not mandatorily insured under UVG; configurable to the policyholder's needs.
• Besucher-Unfallversicherung Visitor accident insurance that covers guests and customers injured on the policyholder's premises or site, providing capital payments for invalidity/death and complementary healing-cost and daily-allowance benefits without dispute over liability.
• Kollektiv-Unfallversicherung für Veranstaltungen Collective accident insurance for events, protecting organisers against the financial consequences of accidents occurring at their events (helper and event-participant accident cover).
• Schüler-Unfallversicherungen Accident insurance for school and university students, covering the financial consequences of accidents for pupils/students not already mandatorily insured.
• Einzel-Unfallversicherung (Individual Accident Insurance) Individual accident insurance for private customers including death/disability capital, supplementary medical-cost cover, with 4-age-category transparent flat pricing, no reduction of benefits for gross negligence (industry-uncommon), 10% family discount when 3+ family members are insured, and doubling of death capital on simultaneous fatal accident of both spouses.
• Reiseversicherung (Travel Insurance) Online travel insurance covering single persons, couples and families for trips of 28 days up to 52 weeks; coverage up to CHF 100,000 per person/event, search/rescue up to CHF 30,000, death CHF 20,000, disability CHF 100,000 (350% progression); per-tier pricing (Single CHF 25 + CHF 6/week; Couple CHF 50 + CHF 12; Family CHF 75 + CHF 18).
• Abredeversicherung LAA (Convention Insurance) Extends non-occupational accident cover up to six months after leaving employment (or working less than 8 hours/week). Flat premium of CHF 40 per month; must be concluded before the 31-day post-employment cover expires; credit card or TWINT payment; immediate e-mail certificate.
• SolidaVita Digitale Risiko-Lebensversicherung Digital risk life insurance that covers gaps left by AHV/IV/accident insurance and pension funds in case of death or invalidity from illness or accident. Sold online via solidavita.ch with personal offer generation and digital purchase.

Quantifiable outcome

• Combined Ratio 99.7% in 2025 (98.7% in 2024) - below 100% indicates underwriting profit
• +5 more outcomes

Named customers11 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature8 records

Partnerships

16 partnerships are on record, tiered core, minor and flagship.

• agrisanocoreChannel Partner/ Reseller/ DistributorPartner health insurer (Krankenversicherungspartner) distributing SOLIDA's accident insurance products (LAA and supplementary) to its agricultural-sector policyholders; benefits from SOLIDA's white-labelling, risk diversification and participation model.
• atupricoreChannel Partner/ Reseller/ DistributorPartner health insurer distributing SOLIDA's accident insurance products to its policyholders; cited as one of SOLIDA's longstanding Krankenversicherungspartner.
• ConcordiacoreChannel Partner/ Reseller/ DistributorPartner health insurer distributing SOLIDA's accident insurance products (LAA & supplementary) to its policyholders; the Concordia group is also a shareholder via CONCORDIA Beteiligungen AG.
• EGKcoreChannel Partner/ Reseller/ DistributorPartner health insurer distributing SOLIDA's accident insurance products to its policyholders.
• HelsanacoreChannel Partner/ Reseller/ DistributorPartner health insurer distributing SOLIDA's accident insurance products (LAA & supplementary) to its policyholders. Helsana (the health-insurer) is distinct from the shareholder Helsana Unfall AG, but both belong to the same group and share deep operational ties with SOLIDA.
• innovacoreChannel Partner/ Reseller/ DistributorPartner health insurer distributing SOLIDA's accident insurance products to its policyholders.
• ÖKKcoreChannel Partner/ Reseller/ DistributorPartner health insurer distributing SOLIDA's accident insurance products to its policyholders.
• RVKcoreChannel Partner/ Reseller/ DistributorPartner health insurer distributing SOLIDA's accident insurance products to its policyholders.
• SodaliscoreChannel Partner/ Reseller/ DistributorPartner health insurer distributing SOLIDA's accident insurance products to its policyholders.
• SympanycoreChannel Partner/ Reseller/ DistributorPartner health insurer distributing SOLIDA's accident insurance products to its policyholders.
• Surselva (VitaSurselva)coreChannel Partner/ Reseller/ DistributorPartner health insurer distributing SOLIDA's accident insurance products to its policyholders.
• Squarelife Insurance AGminorOEM/ Whitelabel/ Licensing PartnerPer Article 45 VAG disclosure: SOLIDA Versicherungen AG and its employees act as bound insurance intermediaries also offering products of Squarelife Insurance AG (Landstrasse 33, 9491 Ruggell, Liechtenstein). Allows SOLIDA to distribute Squarelife's product range under tied-intermediary status.
• Acons Governance & Audit AGcoreImplementation/ SI/ Consulting PartnerExternal mandate as both statutory auditor (Revisionstelle) and internal auditor of SOLIDA Versicherungen AG, based in Zürich. Responsible for coordination of internal audit with external audit and providing independent assurance on risk management, ICS and financial statements.
• SunetOnline / SunetPlus (BBT Software AG)coreTechnology or IntegrationTechnology partner providing claims notification and management platform: SMEs and individuals use the SunetOnline web portal (solida.sunetonline.ch, solida-einzelunfall.sunetonline.ch); medium/large enterprises use the Windows-based SunetPlus client (bbtsoftware.ch). SunetPlus can transmit claims to SOLIDA or other insurers and supports claims/absences management and statistics; SOLIDA provides SunetPlus free to insured employers.
• SwissdeccoreTechnology or IntegrationSwissdec-certified standardised salary data transmission (PUCS) provider - enables encrypted electronic salary declaration from employers' payroll software directly to SOLIDA and other recipients. Underpins SOLIDA's electronic Lohnsummendeklaration process.
• SolidaVita (internal life-insurance brand)flagshipStrategic or Co-development PartnerSOLIDA's own digital risk life-insurance sub-brand operated via solidavita.ch. Extends the SOLIDA product portfolio into digital life insurance covering gaps left by AVS/IV/accident insurance and pension funds; promoted across both DE and FR customer-facing pages.

Scale indicators9 records

Recent moves4 records

Expansion highlights5 records

Others

• Visana: Major Swiss health insurer historically referenced alongside Helsana, Concordia and Swica in the founding of SOLIDA. Not a direct accident-insurance competitor, but part of the same Swiss health-insurer ecosystem whose partnerships (or departure from partnerships) shape SOLIDA's distribution footprint.
• Swica: Large Swiss health insurer and member of the founding consortium of SOLIDA (via OSKA, now Swica). Provides context as part of the Swiss health-insurer competitive set, and a possible future partner or rival for the indirect distribution of accident products.

Broad incumbents

• Zurich Insurance (Switzerland): Swiss operations of the Zurich Insurance Group providing general insurance (motor, property, liability) and accident cover including UVG products. Overlaps with SOLIDA in mandatory and voluntary accident insurance for Swiss employers, but with a much broader portfolio and international scale.
• Helvetia Versicherungen: Swiss-headquartered full-line insurer (life, non-life, accident) with significant LAA and supplementary accident offerings across Switzerland. Overlaps with SOLIDA in mandatory and voluntary accident insurance for SMEs and corporates, but competes as a multi-line generalist rather than a niche accident specialist.
• Bâloise Group: Swiss-listed insurance group offering non-life, life and accident insurance, including UVG-Basis and UVG-E/Z. Comparable to SOLIDA in the corporate and SME accident market, but operating a broad product portfolio and distribution through brokers, agents and own channels rather than as a niche specialist.
• Generali (Schweiz): Swiss subsidiary of the Generali Group, offering non-life, life and accident insurance including UVG. Comparable to SOLIDA on the corporate and SME accident side, but competes as a multi-line generalist with international backing and a wider distribution footprint.
• Die Mobiliar: Swiss cooperative insurer offering non-life and accident products (including UVG) to private and business customers. Overlaps with SOLIDA in mandatory and voluntary accident insurance, particularly in the SME and corporate segments, but with a much broader product and channel footprint.
• Allianz Suisse: Swiss arm of the global Allianz Group, providing a full range of non-life, life and accident insurance including mandatory and voluntary accident cover. Direct overlap with SOLIDA in the UVG/supplementary accident space for Swiss employers; competes as a full-line generalist with strong brand and broker reach.
• AXA Schweiz: One of the largest Swiss insurers offering non-life, life and accident products, including UVG and supplementary accident cover for individuals and corporates. Comparable to SOLIDA in the SME and corporate accident segment, with broader product breadth and a multi-channel distribution model.

Direct peers

• Suva: Swiss National Accident Insurance Fund — the largest and historically dominant mandatory accident (UVG) insurer in Switzerland, also offering voluntary supplementary accident cover. Suva is the most direct competitor to SOLIDA in the UVG-Basis and UVG-E/Z product lines, serving the same Swiss employer and employee base with comparable statutory and supplementary accident benefits.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/solida-versicherungen-ag

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Solida Versicherungen