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Old 30.10.2020, 08:01
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Injury at work, sent home needing Tetanus Jab.

Hi there, I had my wrist cut at work by some corrugated roofing so my boss sent me home saying I wasnít working efficiently enough. Then his wife says that she probably wonít put it through accident cover because it wonít be very expensive. So I was a bit worried it would all come out my pocket (they havenít even informed me who the accident insurer is btw) so I didnít see a doctor to get it examined, I went straight for the Tetanus jab and went home. I have now sent my bossís wife the bill and asked her for the name of my accident insurer so I can get things moving. Is it a problem I didnít put any insurance info on the forms at the clinic? I couldnít because I donít know who the insurer is.. On top of this I am told I donít get paid for the day I was forced to take off. I feel like if my boss had the right to send me home without pay for the day, why do I have to ask him for permission when I can take a day off? Iím hourly paid with a contract that states 2-3 days/week although I work 4-5 days/week. That didnít bother me until now when I started thinking of what they might be required to pay me if my accident was worse.
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Old 30.10.2020, 10:04
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Re: Injury at work, sent home needing Tetanus Jab.

Accident insurance and sickness insurance are, in Switzerland, two different things.

All employers are obliged to buy accident insurance for their employees.

There are two types of accident insurance called, in German, BU and NBU.

"BU" Berufsunfallversicherung is work accident insurance.
This covers accidents at work, and on the direct, uninterrupted journey to and from work. It is obgligatory for all employers, for all employees, even those who work only a few hours per month.
The costs of BU insurance premiums must be borne by the employer, alone.
"NBU" Nicht-Berufsunfallversicherung is outside-of-work accident insurance.
This covers accidents which occur in times other than when the employee is at work or on the direct, uninterrupted journey to and from work, i.e. during the employee's free-time. It is obligatory for all employers, for any employee who works for an average of at least 8 hours per week (even if the contract is for fewer hours per week).
The costs of the NBU insurance premiums can be split 50/50 between the employer and the employee.
Do you have a written work contract?
Do you receive a weekly or monthly salary slip?
If so, you should be able to see the decuctions made for BU and NBU.

As you describe it, the accident occurred at work.
In this case, the employer's BU will cover the costs.
If the employer chooses to cover the costs herself, out of her own funds, without applying to her insurance to get cover, that may well be prerogative.

However, the costs of this accident include:
  • the medical treatment you receive, both up till now and from now on, with regard to this injury (e.g. if the cut isn't just skin-deep and you later need, for example, physiotherapy)
  • the wages for the time that you are unable to work.
These figures are unknown, to start with, and until you are fully healed and able to work, again, at full capacity.
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Old 30.10.2020, 10:04
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Re: Injury at work, sent home needing Tetanus Jab.

The below links describe accident insurance requirements and benefits in Switzerland (English):

https://www.ch.ch/en/accidents-and-work/

https://www.ch.ch/en/accident-insurance-who-covered/

Below is a link to a list of business fields that must insure employees with SUVA (German). Business fields not listed can insure with private insurance companies:

https://www.gryps.ch/sozialversicher.../suva-pflicht/
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Old 30.10.2020, 13:03
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Re: Injury at work, sent home needing Tetanus Jab.

Well I did work in one company where they paid all the small accidents themselves on the basis that it was cheaper than having to pay increased premiums.

OP, I suggest you talk to https://www.unia.swiss/ for advice. They are very helpful even if you are not a member, especially in this case.
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Old 30.10.2020, 13:43
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Re: Injury at work, sent home needing Tetanus Jab.

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Well I did work in one company where they paid all the small accidents themselves on the basis that it was cheaper than having to pay increased premiums.

OP, I suggest you talk to https://www.unia.swiss/ for advice. They are very helpful even if you are not a member, especially in this case.
Thatís fine... until you have a problem in the future related to that accident, and itís not registered with the insurance company!
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Old 30.10.2020, 13:53
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Re: Injury at work, sent home needing Tetanus Jab.

Thanks for the replies, yes I have a contract/monthly pay slip but itís like I have no say in what goes on here. Sheís saying she doesnít know if insurance will pay for my vaccination because itís not directly related to my injury although in my case I would only get one when I actually injured myself, not just for the sake of it.

Who deals With time off work due to injury, sheís saying the krankentaggeld insurance only pays after 3 days but this was not a sick day. It was as a result of an injury? I canít talk to them though. They just shrug it off and avoid answering my questions. My boss says itís his wifeís business and she says that insurance doesnít pay for this stuff so thatís the end of it. Iíll give that group a call to get some advice about this matter.
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Old 30.10.2020, 14:17
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Re: Injury at work, sent home needing Tetanus Jab.

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Thanks for the replies, yes I have a contract/monthly pay slip but it’s like I have no say in what goes on here. She’s saying she doesn’t know if insurance will pay for my vaccination because it’s not directly related to my injury although in my case I would only get one when I actually injured myself, not just for the sake of it.

Who deals With time off work due to injury, she’s saying the krankentaggeld insurance only pays after 3 days but this was not a sick day. It was as a result of an injury? I can’t talk to them though. They just shrug it off and avoid answering my questions. My boss says it’s his wife’s business and she says that insurance doesn’t pay for this stuff so that’s the end of it. I’ll give that group a call to get some advice about this matter.
First off, he and/or his wife is lying to you. Insurance does pay for this stuff. They know that but are trying to avoid making a claim, possibly because they may be deemed to have been negligent (sounds like it) and be hit for higher premiums in the future.

When you go to a doctor or hospital due to an accident, you inform them of your employer, who must have the previously described insurance. So you have nothing to pay, either at the time or via a later bill.

You also report the accident to your employer (obviously they already know about it in this case) , who are obliged to report it to their insurer. There is no flexibility in this; the employer has no choice, they must make a report.

Once it's been reported you get a claim number and some paperwork from the insurance which you communicate to the hospital or doctor.

Any loss of earnings or onging issues are then dealt with directly by the insurance company and yourself, not through your employer.
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Old 30.10.2020, 14:31
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Re: Injury at work, sent home needing Tetanus Jab.

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Who deals With time off work due to injury, sheís saying the krankentaggeld insurance only pays after 3 days but this was not a sick day. It was as a result of an injury?
At the 3rd absence day 80% is paid by the insurance,.
https://www.ch.ch/en/accidents-and-work/

If I see this correctly the first two days have to be paid 100% by the employer. This might be reduced to 0% per individual or general contract.
https://www.lohnfortzahlung.ch/lohnf...ng-bei-unfall/

In other words: Read your employment contract what applies for the first two days.
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Old 31.10.2020, 00:43
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Re: Injury at work, sent home needing Tetanus Jab.

If you can't read enough of the language in which your contract, or your pay-slip, are written, (presumably German, since your profile says Zurich) please feel free to post anonymised extracts, here, for us to try to translate. Several of the posters on this thread read German.
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