Facts
A. had been the manager of a gaming hall since 1991 and was insured against accidents with the Winterthur Insurance Company. On June 3, 1992, at 11:30 pm, she was threatened with a weapon by a masked perpetrator and forced to hand over around 17,700 Swiss francs when leaving the business. Although she subsequently suffered from insomnia, feelings of anxiety, and other psychological complaints, the accident insurance denied the adequate causal relationship between the robbery and the psychological disorder, and therefore discontinued the benefits as of June 30, 1998.Considerations
The Federal Supreme Court confirmed the decision of the accident insurance. It stated that the robbery, in which neither bodily injuries nor fatalities occurred, was not suitable to cause a permanent, significant psychological disorder with persistent incapacity to work according to the ordinary course…