It is not always easy to distinguish between accident and illness. Accident insurance applies exclusively to what the law defines as an accident or occupational illness. Suva uses specific examples to illustrate the criteria laid down in law that are used to determine which is most likely the case. (web page available in German, French and Italian).
If you work at least eight hours a week for your employer, your accident insurance covers occupational accidents and illnesses, and non-occupational accidents occurring during your leisure time.
If you work for less than eight hours a week for your employer, your accident insurance covers occupational accidents and occupational illnesses only. Accidents that occur on your way to and from work are considered to be occupational accidents.