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| What about the accident insurance of family? Is that also compulsory ? My company only pays insurance for myself and not for the family. Truly speaking i am kind of scared of thinking about 10K as health isurance where you do not get anything in return at the end of year unless you pay 90% first. | |
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I should clarify that - you'll pay your franchise first. For example if you have elected to have a CHF 1000 franchise. You pay the first 1000 for the year. Thereafter you'll get 90% back on the first 8000 francs of expenses or so (so you put in 10% from your own pocket), thereafter you get everything back, BUT you'll have to pay upfront (usually) and wait a few months to get it back.
You would want to make sure your whole family is covered by accident insurance. It's an easy add-on to your sickness insurance - and doens't cost that much extra. If for example you slipped over this would not be covered as a sickness - it would be an accident. Much time is often spent in this country discussing whether something is an accident or a sickness and which insurance should pay.