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Old 07.01.2011, 23:42
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Accident happened before getting B permit and buying basic insurance

Sure this topic have already been answered somewhere here but I am so upset that would be happy to find a simple answer: yes or no.
I entered Switzerland 3 weeks ago on fiancee visa, we married and went to France (Les Arcs) for our honey moon. There during skiing I damaged my leg, went to the doctor and got a nice bill. Now I probably will need an operation. If I get my B permit and obligatory insurance within a month (for example) will it cover these bills?
Thank you for the help and wish you a safe skiing (really Les Arcs is super!)
P.S. Maybe my husband insurance can help? He is employed by swiss company.
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Old 07.01.2011, 23:58
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Re: Accident happened before getting B permit and buying basic insurance

You were treated in France? Surely you took out travel insurance for your holiday?

Even when you get your permit and swiss health insurance you will still have an excess/franchise so will probably end up footing the bill for the treatment you have already had. See health insurance faq for useful info and talk to a broker about your options. Health Insurance FAQs

edit: probably will have to foot the bill for treatment you need to have depending on your franchise, as well as treatment already had. Also should have said hope you recover quickly!

Last edited by woolly; 08.01.2011 at 00:01. Reason: clarification
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Old 08.01.2011, 00:22
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Re: Accident happened before getting B permit and buying basic insurance

As an accident it should be covered by the "accident" component of your health insurance which you would need to pay for yourself in addition to your basic insurance if you are not working (otherwise it's covered by your employer). Then all costs relating to treatment for the accident are covered by the accident insurance, it has no impact on your franchise for the basic insurance.
Are you registered as a Swiss resident? As your insurance is normally back-dated to when you arrive or registered in CH, then I would imagine that you would be covered for treatment. If you haven't already got insurance then, I think the best people to answer you will be the insurance company. I don't know whether the accident taking place and having treatment outside the country makes a difference or not and probably your residence status at the time of the accident may also be relevant. Your insurance is independent of your husbands - his will not cover you.
Get well soon.
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Old 27.03.2011, 21:48
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Re: Accident happened before getting B permit and buying basic insurance

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As an accident it should be covered by the "accident" component of your health insurance which you would need to pay for yourself in addition to your basic insurance if you are not working (otherwise it's covered by your employer). Then all costs relating to treatment for the accident are covered by the accident insurance, it has no impact on your franchise for the basic insurance.
Just for the benefit of others, the above statements are incorrect in the case of accident insurance if you are not working. When you get "accident" insurance with your health insurance as a non-worker, the accident insurance is a part of the health insurance and therefore the same deductible applies. In addition, it is worth noting that the accident insurance for non-workers as an add-on to health insurance is generally far insuperior to the accident insurance that is provided with employers. F

We have recently had first hand experience of this, unfortunately within the 1st month that we moved to Switzerland. My non-working wife had a skiing accident in Austria and was helicoptered off the mountain to hospital (fortunately she is fine). We had already organised health insurance including the accident insurance add-on for her (although I understand it would have been backdated to date of entering Switzerland if we hadn't yet organised it). We haven't had final confirmation of what we will get back from the insurer but the accident insurance appears to fall short of covering the astronomical costs of a helicopter rescue (from inbounds), helicopter rescue cost alone was 5,500 euros. It has also used up all of this year's deductible immediately.

I thought this point is worth mentioning because the following two points about non-worker accident insurance don't appear to be explained clearly anywhere else on the forum:

-> same deductible applies to cover both std health and accident insurance for non-workers; and
-> standard accident insurance for non-workers does not cover you as extensively as employment accident insurance.

Perhaps this or something similar could be added to one of the stickies also.
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Old 28.03.2011, 09:32
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Re: Accident happened before getting B permit and buying basic insurance

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-> same deductible applies to cover both std health and accident insurance for non-workers; and
You can arrange this to be different if you like. You can also use different companies to maximise your premium:benefits ratio.

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-> standard accident insurance for non-workers does not cover you as extensively as employment accident insurance.
That's like saying my piece of string is bigger than yours when you haven't seen my string . Some employers accident insurance is good, others not so. same applies to private.

You get the insurance that is stated in the policy. You buy the policy that suits you.
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Old 28.03.2011, 10:00
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Re: Accident happened before getting B permit and buying basic insurance

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You can arrange this to be different if you like. You can also use different companies to maximise your premium:benefits ratio.
Of course you can, I was stating that if you just add accident insurance to standard health insurance, I think the same deductible will apply to it all.

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That's like saying my piece of string is bigger than yours when you haven't seen my string . Some employers accident insurance is good, others not so. same applies to private.

You get the insurance that is stated in the policy. You buy the policy that suits you.
Fair comment. However, from my (very) limited survey of people here it appears that private (non-worker) standard accident insurance that is added on to basic health insurance might provide generally lower coverage. It makes sense that benefits to cost ratio on average is better with employer policies because of the pooling of risk. Of course as you suggest, all private coverage will depend on what coverage/benefits you want and insurer is willing to take on (stipulated in policy) and you pay for that.

I'm aware of how insurance works generally (defensive hat on), being an actuary.
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Old 28.03.2011, 23:20
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Re: Accident happened before getting B permit and buying basic insurance

In addition to insurances my family are also patrons of REGA. Patrons normally get medical air services for free!

Jim.
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Old 29.03.2011, 00:26
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Re: Accident happened before getting B permit and buying basic insurance

My non-employer accident insurance did not have any deductible.

I cut my finger quite seriously with a cutter and had to go to the special hand clinique in Lausanne. They had to get a specialist surgeon in to make sure I didn't do damage to my whatevers. The insurance company sent me a form to fill out. Then they paid everything related to the "accident", which let's be honest was basically my own stupidity.... well, accidental stupidity!

The point, I guess of all this is to check your insurance policy to see what it covers and that it is adequate for your needs. I don't ski. But if I did I would likely take out that Rega insurance as well and/or make sure my insurance covered all the cost related to evacuation. Skiing accident rescues are quite serious stuff and expensive. Thank Thor that your wife is OK.
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Old 29.03.2011, 09:44
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Re: Accident happened before getting B permit and buying basic insurance

I agree Rega patronage is very worthwhile coverage to have. However, my understanding is it will not cover rescue costs outside of Switzerland so it would not have helped in our case in Austria. It only covers repatriation costs to get back to Switzerland for medical treatment when an accident occurs outside of Switzerland. I'm not sure that this would cover for example, the Austrian helicopter rescue costs from the mountain to the Austrian hospital or medical centre which would normally be the first part of the journey. It might do but this didn't seem to be clear on their website.
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Old 29.03.2011, 10:00
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Re: Accident happened before getting B permit and buying basic insurance

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I agree Rega patronage is very worthwhile coverage to have. However, my understanding is it will not cover rescue costs outside of Switzerland so it would not have helped in our case in Austria. It only covers repatriation costs to get back to Switzerland for medical treatment when an accident occurs outside of Switzerland. I'm not sure that this would cover for example, the Austrian helicopter rescue costs from the mountain to the Austrian hospital or medical centre which would normally be the first part of the journey. It might do but this didn't seem to be clear on their website.
If it had been a Rega helicopter rescuing your wife, then you would have been covered. As it wasn't, you're right, you're not covered.

My family are covered for accident by Swica. The coverage I've paid for (though I also sponsor Rega) is:

Switzerland: emergency transport/transfers 90% up to CHF 25,000 per year together with compulsory insurance benefits; search/rescue operations up to CHF 25,000 per year; abroad: search/rescue operations and emergency transport together up to CHF 50,000 per year; full cover for repatriation

However, the basic insurance is rather less comprehensive:

50% up to CHF 500 for transfers; 50% up to CHF 5000 for emergency transport in Switzerland

You get what you pay for.
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Old 31.03.2011, 22:37
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Re: Accident happened before getting B permit and buying basic insurance

You can also check out on this link what coverage you can get by paying an extra of 5 CHF with Groupe Mutuel in the same situation (accidents or sickness which occurred during a foreign trip)
http://www.groupemutuel.ch/content/d...lyer_mundo.pdf
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