{"id":1595,"date":"2021-10-09T21:24:26","date_gmt":"2021-10-09T20:24:26","guid":{"rendered":"https:\/\/ajooda.ch\/en\/?p=1595"},"modified":"2023-11-11T15:22:09","modified_gmt":"2023-11-11T14:22:09","slug":"accident-insurance-in-switzerland","status":"publish","type":"post","link":"https:\/\/ajooda.ch\/en\/accident-insurance-in-switzerland\/","title":{"rendered":"Accident insurance in Switzerland – Avoid this mistake"},"content":{"rendered":"\n
Every\nperson employed in Switzerland is compulsorily insured against occupational\naccidents under the Federal Law on Accident Insurance (UVG). In addition,\neveryone who works at least eight hours a week for the same employer is also\ncompulsorily insured against non-occupational accidents (NBU).<\/strong><\/p>\n\n\n\n In\nSwitzerland, a basic distinction is made between illness and accident.<\/p>\n\n\n\n Health\ninsurance only covers illnesses and injuries that occur as a result of illness.<\/strong><\/p>\n\n\n\n Accidents\nare injuries caused by external circumstances, such as a flower pot falling on\nyour head from a balcony or a fall from a ladder. These are accordingly covered\nby accident insurance.<\/p>\n\n\n\n As\nmentioned above, accident insurance is compulsory in Switzerland. However,\nwhether accidents are covered by the compulsory health insurance or by the\ncompulsory accident insurance of the respective employer depends on whether one\nis gainfully employed or not.<\/p>\n\n\n\n If you are\nemployed by a Swiss employer, you can rest easy. This is because employers are\nobliged to take out occupational accident insurance (OI) for their employees.<\/p>\n\n\n\n This covers\nthe costs of medical care in the event of accidents at work and occupational\nhealth risks. In addition, the employer pays the premiums for occupational\naccident insurance.<\/p>\n\n\n\n If you work for the same employer for at least eight hours, you are also insured against non-occupational accidents (NBU<\/a>). However, you have to pay this premium yourself or it is deducted directly from your salary.<\/p>\n\n\n\n Those who\nare unemployed and receive unemployment benefits are also insured under the\naccident insurance scheme of the respective employment office during this\nperiod.<\/p>\n\n\n\n The\nemployment office pays part of the premium amounting to 1% of your unemployment\nbenefit, while jobseekers pay 2% of their unemployment benefit.<\/p>\n\n\n\n If you are\nself-employed, you can voluntarily join the occupational accident insurance\nscheme, but you are not obliged to do so.<\/p>\n\n\n\n Transitional accident insurance is a voluntary insurance that provides the benefits of the employer’s accident insurance <\/a>for up to six months after the onset of unemployment. It can be used to stay well covered between jobs.<\/p>\n\n\n\n However,\nanyone who is employed for less than eight hours per week will only receive\noccupational accident insurance (accidents at work) from their employer.<\/p>\n\n\n\n In all these cases, the person in question must insure themselves against the costs of accidents by joining the accident insurance rider of the health insurance<\/a> fund.<\/p>\n\n\n\n The\naccident insurance rider in the compulsory health insurance scheme provides\nthese benefits:<\/p>\n\n\n\n Furthermore,\nit is important to know that the deductible for health insurance, is also\napplied to accident insurance claims. Accordingly, these are combined.<\/p>\n\n\n\n Anyone who\nbecomes gainfully employed and accordingly receives job-related accident\ninsurance should consequently be sure to inform his or her health insurance\ncompany so that it can terminate the accident insurance.<\/p>\n\n\n\n This\nwill reduce the compulsory health insurance premium by about 10%.<\/strong> Because this is often forgotten in\nthe euphoria of starting a new job.<\/p>\n\n\n\n On the\nother hand, anyone who becomes unemployed or self-employed at some point must\ninform the health insurance company and take out accident cover.<\/p>\n\n\n\nHealth insurance vs.\naccident insurance<\/h2>\n\n\n\n
Two types of accident insurance<\/h2>\n\n\n\n
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Occupational accident\ninsurance<\/h2>\n\n\n\n
The following are\nautomatically covered by accident insurance:<\/h2>\n\n\n\n
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8 Benefits of occupational\naccident insurance (without deductible):<\/h2>\n\n\n\n
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Accident insurance through\nthe health insurance fund<\/h2>\n\n\n\n
Not automatically covered\nby accident insurance are:<\/h2>\n\n\n\n
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Avoid double insurance<\/h2>\n\n\n\n
Is accident insurance\nalready included in the supplementary insurance?<\/h2>\n\n\n\n