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  #21  
Old 03.03.2011, 15:43
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Re: Wife's employer didn't take out accident insurance (I think)

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  #22  
Old 03.03.2011, 16:42
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Re: Wife's employer didn't take out accident insurance (I think)

You could write to the employer again and state that if you don't receive insurance details within 24 hours, you'll have no alternative to contact your own insurance and hold her liable for the franchise.

May at least get you a reply.
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Old 03.03.2011, 16:55
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Re: Wife's employer didn't take out accident insurance (I think)

Your insurance may well then sue them for all costs, not just franchise, if they realise she should have been insured by employer.
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Old 03.03.2011, 16:59
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Re: Wife's employer didn't take out accident insurance (I think)

I received an email reply. Needless to say I'm not impressed with the tone of the reply. If anyone wants specifics about details then please PM me and I will relay them.

But as it stands it looks like she's saying that the employer should pass the details of the accident onto the insurance etc. or she wants the invoices so she can pay them herself.

Am I entitled to know which insurance company my Wife is insured with and for her to have an accident insurance card as well? Or is this tied into her health insurance card.
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Old 03.03.2011, 17:38
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Re: Wife's employer didn't take out accident insurance (I think)

Speaking only as someone who has an employee & how I think it works. It can be either the employee or employer who informs the accident insurance company, I don't think that it matteres who. However your wife is entitled to know who she is insured by in case she needs to claim & her employer is not available. There may be no card, I did not receive one for my employee but she can have all the details of the policy.

It could be that the employer genuinley forgot to arrange the insurance even though she legally should have. Have you tried just asking nicely if this is the case? How long has your wife been employed by this person?


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I received an email reply. Needless to say I'm not impressed with the tone of the reply. If anyone wants specifics about details then please PM me and I will relay them.

But as it stands it looks like she's saying that the employer should pass the details of the accident onto the insurance etc. or she wants the invoices so she can pay them herself.

Am I entitled to know which insurance company my Wife is insured with and for her to have an accident insurance card as well? Or is this tied into her health insurance card.
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Old 03.03.2011, 18:40
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Re: Wife's employer didn't take out accident insurance (I think)

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Speaking only as someone who has an employee & how I think it works. It can be either the employee or employer who informs the accident insurance company, I don't think that it matteres who. However your wife is entitled to know who she is insured by in case she needs to claim & her employer is not available. There may be no card, I did not receive one for my employee but she can have all the details of the policy.

It could be that the employer genuinley forgot to arrange the insurance even though she legally should have. Have you tried just asking nicely if this is the case? How long has your wife been employed by this person?
She's been employed for about 2 months in total with a break between the months over the festive period.
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Old 03.03.2011, 18:44
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Re: Wife's employer didn't take out accident insurance (I think)

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It could be that the employer genuinley forgot to arrange the insurance even though she legally should have. Have you tried just asking nicely if this is the case?
I think this would be an excellent first step....
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Old 03.03.2011, 19:08
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Re: Wife's employer didn't take out accident insurance (I think)

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It could be that the employer genuinley forgot to arrange the insurance even though she legally should have. Have you tried just asking nicely if this is the case?
Yes, I agree with Snoopy and Lou that clarifying the exact situation is the first step. If, however, you do not get clear answers, here is an organisation that will help, even in English: http://www.versicherungsombudsman.ch/html/guide_e.html.
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Old 03.03.2011, 19:14
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Re: Wife's employer didn't take out accident insurance (I think)

It's essential to find out what the exact situation is with the employer, as you will have to give insurance detail when you go to the Polyclinic/burns unit for your first appointment. You need to go at least 30 mins in advance of appointment to register properly at reception (including giving details of Insurance). Not sure how good your French is, but if necessary, take a friend/colleague who can interpret if necessary. Will come if necessary, but I live quite a way away. Regards.

Last edited by Odile; 03.03.2011 at 19:27.
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Old 03.03.2011, 19:19
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Re: Wife's employer didn't take out accident insurance (I think)

I forgot to give you this link which explains in English who (and what) is covered under the compulsory accident insurance: http://www.bag.admin.ch/themen/versicherung/00321/00335/index.html?lang=en.

And: Gute Besserung to your wife!
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  #31  
Old 03.03.2011, 19:36
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Re: Wife's employer didn't take out accident insurance (I think)

Have you also checked your wife's medical insurance ?

I am currently trying to extract myself from paying double 'accident' insurance because at first I was not working, so had to have accident insurance with my personal health insurance, then I started working, and didn't realise that now my employer would be paying the accident insurance....
18 months later I still haven't got around to getting the right paperwork from my employer to prove that I am covered - my illness insurer won't cancel the accident part until they have documents...
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Old 03.03.2011, 19:47
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Re: Wife's employer didn't take out accident insurance (I think)

In case an employer has "forgotten" to insure his employees, there is a special "Ersatzkasse UVG" which will pay the expenditure for accidents, and then assess the employer the dues he or she should have paid.
http://www.ersatzkasse.ch/de/taetigkeitsbereich/
cf. also Art. 73 UVG

Contact:

Leistungsfälle
Jean-Jacques Hagen
Direktwahl: 058 358 05 73
E-Mail: jean-jacques.hagen@who-needs-spam.ersatzkasse.ch (without the who----).

Or if you are in Zurich you might want to contact the SVA Zürich
http://www.svazurich.ch

But you might want to take it up with her employer first, so that they can come clean with the authorities first :-)
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Old 03.03.2011, 20:56
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Re: Wife's employer didn't take out accident insurance (I think)

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You could write to the employer again and state that if you don't receive insurance details within 24 hours, you'll have no alternative to contact your own insurance and hold her liable for the franchise.

May at least get you a reply.
The other insurance is for sickness not accident so it wont pay/

Non work accident insurance is usually paid by splitting the cost 50/50 employee/employer, was any deduction made from salary?
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  #34  
Old 03.03.2011, 21:12
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Re: Wife's employer didn't take out accident insurance (I think)

I'd tell them that the hospital have told you that you will need to give Insurance details at her first appointment, and INSIST that they give you those details- or that you will have no option but to go the legal route. Ask them directly, if not forthcoming, whether Insurance was or was NOT taken - show them the links above and the relevant part of the contract - and ask them, if the answer is NO, how they intend to proceed - and guarantees that medical costs WILL be paid. Am I right in thinking that they will have to continue to pay her until she is fit to work again? she might be able to return to work soon if no babies or toddlers are involved (eg no lifiting/carrying). (from the top of my head here - I am NO Insurance expert- but the links given seem clear enough). Must say though that I would personally prefer to handle this face to face than by e-mail - is that possible?
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Old 03.03.2011, 21:35
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Re: Wife's employer didn't take out accident insurance (I think)

I think that is the best idea. A simple situation is being made very complicated here
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Old 03.03.2011, 21:35
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Re: Wife's employer didn't take out accident insurance (I think)

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In case an employer has "forgotten" to insure his employees, there is a special "Ersatzkasse UVG" which will pay the expenditure for accidents, and then assess the employer the dues he or she should have paid.
http://www.ersatzkasse.ch/de/taetigkeitsbereich/
cf. also Art. 73 UVG

Contact:

Leistungsfälle
Jean-Jacques Hagen
Direktwahl: 058 358 05 73
E-Mail: jean-jacques.hagen@who-needs-spam.ersatzkasse.ch (without the who----).

Or if you are in Zurich you might want to contact the SVA Zürich
http://www.svazurich.ch

But you might want to take it up with her employer first, so that they can come clean with the authorities first :-)

Excellent post. Thanks so much. A lot of it doesn't make sense with google translate but I think I get the gist of it
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Old 03.03.2011, 21:39
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Re: Wife's employer didn't take out accident insurance (I think)

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Have you also checked your wife's medical insurance ?

I am currently trying to extract myself from paying double 'accident' insurance because at first I was not working, so had to have accident insurance with my personal health insurance, then I started working, and didn't realise that now my employer would be paying the accident insurance....
18 months later I still haven't got around to getting the right paperwork from my employer to prove that I am covered - my illness insurer won't cancel the accident part until they have documents...
She does still have accident insurance which I pay for her. However there is a 2500CHF franchise with this...as apposed to the employer provided one which has no franchise.
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  #38  
Old 03.03.2011, 21:53
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Re: Wife's employer didn't take out accident insurance (I think)

Well I've had a couple of free time accidents. I've never had to directly deal with the insurance company. The first time I even forgot which company it was but the hospital must have sorted it out with them. When I was back at work I was had to give some details through to the HR people about what has happened and that was it.

So in short I've never had an accident insurance card and it's not unusual that the company deals with the insurance. What is strange though is why they don't want to tell you the name of it. Do you have the contract or pay slip? It should say on them how much gets taken of for it
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  #39  
Old 03.03.2011, 22:52
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Re: Wife's employer didn't take out accident insurance (I think)

My husband had an accident - got hit by a car on a pedestrian crossing

He didn't actually get any medical care, but his employer as soon as they knew of the accident, reported it to the insurance company, and the insurance company contacted my husband three times to get all the details, inform him of the procedures (they actually did a police report on his behalf!), and follow up to make sure that there were no further consequences.

So, in some ways, yes, the employer is correct, the employee needs to supply the basic details of the accident, where you went, and what was done, so that the process can be started with the insurance company...

Our health insurance definitely covers accidents/sickness outside Switzerland, with some limitations...

It does sound like everyone's panicking, but there's a system for this, and as long as everyone sticks to the system....well...in time....with lots of paperwork....it will probably get sorted out!

Another gut feeling would be to contact your insurer (your health fund) and report the accident to them, and they can fight it out with your employer over whether or not they will cover it or the employer's fund has to cover it...

After 1 or 2 basic emails, sounds like it needs to be thrashed out over the phone...and try to stick to 'let's sort this out' rather than 'you stupid fool for not organising the insurance'... I'm sure you're not the first person to find themself in this position, and you won't be the last - especially as it's a 'private' employment type situation and a new employee...

Hey, the swiss system gives you three months to sign up for health insurance, backdated to the day of entry...I get the feeling that they are much more 'even handed' about providing cover, rather than just looking for any excuse to not pay, as perhaps occurs in other countries...
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  #40  
Old 03.03.2011, 23:03
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Re: Wife's employer didn't take out accident insurance (I think)

Yes, time to find out the FACTS face to face before going any further.
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