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Old 07.09.2019, 17:01
sct sct is offline
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Re: Insurance cover for sports injuries

Hi Kafka and welcome,

I only have the basic insurance (Lamal/KVG) and so can speak of my limited experiences with that.

However, if your injury is from an accident and you are working, any care will be covered by your employers insurance - this isn't just work related accidents, but skiing injuries, falling off the bike etc. So you can check the level of your employers policy.

For complaints that don't arise from accidents, I've not had a problem with the basic insurance. Provided a doctor considers treatment or investigation necessary it should be covered, including physiotherapy (though there are limits to the number of sessions per year), what's important is you see the doctor and get a prescription for physio etc.

In my case I saw the doctor one day, had prescription for physio and saw the physiotherapist the next.

Be aware that the supplemental insurance requires a medical questionnaire and so could exclude any pre-existing injuries - one reason I didn't bother with it myself.

Hope that helps!
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