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Old 21.12.2015, 10:15
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Specific Question about accident insurance and unemployment

I am currently unemployed and receive accident insurance from the RAV.

My advisor there told me that I have to tell them when I leave the country, so that a) it is booked as "vacation time" and b) that my accident insurance (unfallversicherung) is valid.

Is that second part true? what if I urgently need to go back to the uk and do not inform them, and have an accident? What if I am there on a booked vacation, and my flight is cancelled.

I have no problem with the fact that I would be docked my benefit money if I do not inform them (so please lets not make this about thread about that) but I do have an issue with the idea that I would not be insured properly. Anyone know the facts?
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Old 21.12.2015, 10:50
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Re: Specific Question about accident insurance and unemployment

I have free health and accident insurance from Visana insurance when I am travelling abroad, but it is time restricted to I think 6 months. It would be reasonable for the RAV to limit your insurance when travelling abroad, to reduce the insurance premium. What is the problem, you only have to inform them before you travel.

I was unemployed for three years, and a good tip is to treat the RAV as your employer, and your job is to find the "next job". You wouldn't down tools and go away without informing & getting permission from your employer would you?
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Last edited by Sbrinz; 21.12.2015 at 11:04.
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Old 21.12.2015, 11:33
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Re: Specific Question about accident insurance and unemployment

Also I assume you no longer have a Swiss health insurance card as such - which acts as the European Health Insurance Card (EHIC).

http://ec.europa.eu/social/main.jsp?catId=509&langId=en

In which case you may find it difficult to get emergency treatment and may have to pay for it yourself and possibly not be able to claim the cost back. Informing RAV will allow you/them to deal with any hospital regarding emergency medical treatment while you're abroad.

Even if you have to leave urgently surely you can phone or e-mail your RAV contact and let them know.
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Old 21.12.2015, 13:06
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Re: Specific Question about accident insurance and unemployment

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Also I assume you no longer have a Swiss health insurance card as such - which acts as the European Health Insurance Card (EHIC).

http://ec.europa.eu/social/main.jsp?catId=509&langId=en

In which case you may find it difficult to get emergency treatment and may have to pay for it yourself and possibly not be able to claim the cost back. Informing RAV will allow you/them to deal with any hospital regarding emergency medical treatment while you're abroad.

Even if you have to leave urgently surely you can phone or e-mail your RAV contact and let them know.
I'm sure he must have the regular Swiss health insurance given that he is still resident here so he would be covered for emergency treatment in the UK. As I understand it the RAV cover is only the accident cover which is normally provided by the employer not all the health insurance.
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Old 21.12.2015, 13:49
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Re: Specific Question about accident insurance and unemployment

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I am currently unemployed and receive accident insurance from the RAV.

My advisor there told me that I have to tell them when I leave the country, so that a) it is booked as "vacation time" and b) that my accident insurance (unfallversicherung) is valid.

Is that second part true? what if I urgently need to go back to the uk and do not inform them, and have an accident? What if I am there on a booked vacation, and my flight is cancelled.

I have no problem with the fact that I would be docked my benefit money if I do not inform them (so please lets not make this about thread about that) but I do have an issue with the idea that I would not be insured properly. Anyone know the facts?
UK nationality.... the NHS wouldn't question treating you.
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Old 21.12.2015, 15:48
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Re: Specific Question about accident insurance and unemployment

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UK nationality.... the NHS wouldn't question treating you.
Sorry, but wrong. It's for UK based residents and has nothing to do with your nationality.

https://www.washingtonpost.com/lifes...b28_story.html
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Old 21.12.2015, 16:43
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Re: Specific Question about accident insurance and unemployment

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Sorry, but wrong. It's for UK based residents and has nothing to do with your nationality.

https://www.washingtonpost.com/lifes...b28_story.html
For 5 years after leaving, it covers British passport holders.
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Old 21.12.2015, 18:26
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Re: Specific Question about accident insurance and unemployment

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Sorry, but wrong. It's for UK based residents and has nothing to do with your nationality.

https://www.washingtonpost.com/lifes...b28_story.html
There has been discussion recently about GPs and A&E charging Non-EU people for their services.... (Forget about EU & UK expats) & GPs moaned that they weren't immigration. Yes it's just for UK residents officially, but in reality No One gets charged. British citizen, Britsh Accent... Very unlikely to be charged unless you tell them you live in Switzerland. They are not going to check.
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Old 21.12.2015, 19:12
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Re: Specific Question about accident insurance and unemployment

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I am currently unemployed and receive accident insurance from the RAV.

My advisor there told me that I have to tell them when I leave the country, so that a) it is booked as "vacation time" and b) that my accident insurance (unfallversicherung) is valid.

Is that second part true? what if I urgently need to go back to the uk and do not inform them, and have an accident? What if I am there on a booked vacation, and my flight is cancelled.

I have no problem with the fact that I would be docked my benefit money if I do not inform them (so please lets not make this about thread about that) but I do have an issue with the idea that I would not be insured properly. Anyone know the facts?
Whilst receiving unemployment benefit, your accident insurance is through SUVA and is paid for. You need to check with SUVA what the position is about holidays.
You still need a private health insurance, most of these cover you with limits whilst you are abroad on holiday and this has nothing to do with RAV. I do not think there is a problem here and since I may be in the same situation in future, I will try to get a definite answer
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Old 21.12.2015, 22:58
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Re: Specific Question about accident insurance and unemployment

Sure, I have private health insurance. Suva told me that I am covered for accident insurance whatever the case for 30 days. This is different than what my RAV person told me.

I simply want clarification on who is right. I suspect SUVA and that the RAV only say it to make sure you tell them when you are away. As I pointed out, it is not about cheating the RAV, it is simply that I am a stickler for insurance and want to know what the actual situation is. Latest I will ask at my next RAV meeting for clarification but I thought you fine folks might know the situation.

However, thus far, no one here has provided a clear answer. I won't meet my RAV berater for awhile but I'll certainly ask them when I do in Jan.
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Old 21.12.2015, 23:00
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Re: Specific Question about accident insurance and unemployment

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Sorry, but wrong. It's for UK based residents and has nothing to do with your nationality.

https://www.washingtonpost.com/lifes...b28_story.html
That's something I did not know!
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Old 22.12.2015, 08:20
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Re: Specific Question about accident insurance and unemployment

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Sure, I have private health insurance. Suva told me that I am covered for accident insurance whatever the case for 30 days. This is different than what my RAV person told me.

I simply want clarification on who is right. I suspect SUVA and that the RAV only say it to make sure you tell them when you are away. As I pointed out, it is not about cheating the RAV, it is simply that I am a stickler for insurance and want to know what the actual situation is. Latest I will ask at my next RAV meeting for clarification but I thought you fine folks might know the situation.

However, thus far, no one here has provided a clear answer. I won't meet my RAV berater for awhile but I'll certainly ask them when I do in Jan.
The RAV person is probably wrong, they only have a basic knowledge & probably not very interested either
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Old 22.12.2015, 11:16
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Re: Specific Question about accident insurance and unemployment

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Sure, I have private health insurance. Suva told me that I am covered for accident insurance whatever the case for 30 days. This is different than what my RAV person told me.

I simply want clarification on who is right. I suspect SUVA and that the RAV only say it to make sure you tell them when you are away. As I pointed out, it is not about cheating the RAV, it is simply that I am a stickler for insurance and want to know what the actual situation is. Latest I will ask at my next RAV meeting for clarification but I thought you fine folks might know the situation.

However, thus far, no one here has provided a clear answer. I won't meet my RAV berater for awhile but I'll certainly ask them when I do in Jan.
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The RAV person is probably wrong, they only have a basic knowledge & probably not very interested either
Yes, I think you're right, the insurance taken out by them on your behalf could not possibly have such a condition attached. I suspect the RAVman is extrapolating from the fact that your conditions of 'employment' with them will contain such a stipulation and that failure to comply could eventually lead to them withdrawing your benefits including the SUVA cover. For example if you were to leave the country for a couple of months without notifying RAV it would not be safe to assume that your SUVA cover is still in place.
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Old 22.12.2015, 14:52
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Re: Specific Question about accident insurance and unemployment

This from the SUVA website:


Versicherungsschutz während Wartezeit, Einstelltagen und Ferien

Der Versicherungsschutz besteht während Wartezeiten und Einstelltagen, auch wenn diese mehr als 30 Tage dauern und während Ferien von mehr als 30 Tagen, sofern es sich um kontrollfreie Tage mit Anspruch auf Arbeitslosenentschädigung handelt.

I understand this to mean that the insurance is valid during the holidays only when you have informed RAV that they are control free days. You can of course pay the extra premium on your private insurance for non-work related accident insurance.
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Old 22.12.2015, 14:57
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Re: Specific Question about accident insurance and unemployment

RAV is your EMPLOYER, whilst you are unemployed, this is why you get accident insurance through them.

You can't just take time off without informing your employer, can you?
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Old 22.12.2015, 19:31
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Re: Specific Question about accident insurance and unemployment

So this does indeed seem to point in the direction that the RAV and right and the SUVA person told me incorrectly? Unless it reads that the condition only applies when talking about more than 30 days. Interesting, thanks KiwiSteve.

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This from the SUVA website:

Versicherungsschutz während Wartezeit, Einstelltagen und Ferien

Der Versicherungsschutz besteht während Wartezeiten und Einstelltagen, auch wenn diese mehr als 30 Tage dauern und während Ferien von mehr als 30 Tagen, sofern es sich um kontrollfreie Tage mit Anspruch auf Arbeitslosenentschädigung handelt.

I understand this to mean that the insurance is valid during the holidays only when you have informed RAV that they are control free days. You can of course pay the extra premium on your private insurance for non-work related accident insurance.
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Old 22.12.2015, 19:32
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Re: Specific Question about accident insurance and unemployment

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RAV is your EMPLOYER, whilst you are unemployed, this is why you get accident insurance through them.

You can't just take time off without informing your employer, can you?
But if I did take time off my job without informing my employer, that does not mean I am uninsured for accidents, does it? (to use your vernacular).
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