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| You are correct in saying that anything happening while participating in sports would come under the accident insurance.
If a student is provided accident cover by the university then they have no problem. Swisscare say their cover includes accidents but, of course, it’s subject to the conditions and exclusions of their policy. If the policy is accepted by the canton then they are legal but I have to wonder if in accepting these policies the cantons realise that they are not the equivalent of a normal Swiss policy. If they were really equivalent then they would probably cost the same.
I mentioned the exclusions to bring to peoples attention the fact that they should be fully aware of what’s not covered. For example, many people may take a long walk (hike) in the mountains in the summer and it would probably never occur to them that their insurer considered this to be a dangerous sport unless accompanied by a guide.
Accident insurance is normally provided by the normal Swiss policy if it’s not provided by the employer but I do not believe that it’s available as a separate item. There is probably some sort of additional cover that could be purchased and an insurance adviser would be the best person to ask about this. | |
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Thanks for all the information. My wife is a Post-Doc researcher and was interested in Swisscare after reading about it on here. I'm not sure it's the best idea though, as I'd rather she was definitely covered by a Swiss approved insurer, and to be honest I can't be bothered with the hassle of trying to get my canton to approve it.
We live in Zurich. Has anyone gone with one of these cheaper insurers here and run into trouble? In particular:
- trouble getting it accepted by canton
- trouble getting a claim processed
- trouble when changing from cheap insurer to standard Swiss one
I'm fortunate that my company will pay for my health insurance, so I'm going with a normal Swiss one. It seems from the discussion on here that to make sure my wife doesn't have a disproportionate level of cover that I'm best getting her a normal Swiss insurance too.
Any advice/experiences of the above would be gratefully received.