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Old 03.03.2011, 23:16
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Re: Wife's employer didn't take out accident insurance (I think)

I will be either calling or meeting her tomorrow
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  #42  
Old 04.03.2011, 09:36
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Re: Wife's employer didn't take out accident insurance (I think)

Just a couple of quick points spring to mind after a quick skim through this thread. Firstly the employer should normally arrange accident cover at 2 levels - in German this is BUV and NBUV. BUV (BerufsUnfallVersicherung) is to cover for accidents related to work and is paid for fully by the employer. NBUV (Non-BUV) is arranged by the employer and covers accidents outside of work, but whilst under the employment contract and is normally paid for by the worker through a deduction to the salary. I do not know the employment level at which both become mandatory, but in relation to your employment you would be seeking cover under the NBUV policy.

Secondly, you say you have a private policy, maybe linked to you normal health insurance as this is common for those not working. I do not think you can 'choose' which policy to claim under. In the event of a claim both insurances are likely jointly liable, and in claiming under one you would need to declare the existence of the other. So you may not be able to avoid payment of at least some excess, although I would also check that the excess you mention does actually relate to accident rather than health cover.
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  #43  
Old 04.03.2011, 14:58
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Re: Wife's employer didn't take out accident insurance (I think)

I called today and things seem to be getting somewhere. The employer isn't shirking responsibility which is good.

One question to everyone. Would plastic surgery be covered under the accident insurance?
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  #44  
Old 04.03.2011, 15:09
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Re: Wife's employer didn't take out accident insurance (I think)

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I called today and things seem to be getting somewhere. The employer isn't shirking responsibility which is good.

One question to everyone. Would plastic surgery be covered under the accident insurance?
Any treatment for a medical need that is deemed necessary, and directly linked to the accident, will usually be covered by the insurance.
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  #45  
Old 04.03.2011, 15:28
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Re: Wife's employer didn't take out accident insurance (I think)

Hopefully this will not be necessary as second degree burns often heal very well. Fingers crossed.
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  #46  
Old 04.03.2011, 15:40
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Re: Wife's employer didn't take out accident insurance (I think)

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Hopefully this will not be necessary as second degree burns often heal very well. Fingers crossed.
I hope so too. But the doctors in Scotland said that they want a plastic surgeon to look at it to see if there is any nerve damage.
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  #47  
Old 04.03.2011, 15:42
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Re: Wife's employer didn't take out accident insurance (I think)

That is normal procedure for second degree burns so could be a "just in case" type situation.

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I hope so too. But the doctors in Scotland said that they want a plastic surgeon to look at it to see if there is any nerve damage.
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  #48  
Old 04.03.2011, 23:22
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Re: Wife's employer didn't take out accident insurance (I think)

Hi again all. I've been looking at treatments to reduce any scaring that may occur due to the accident and i found this

http://www.avitamedical.com/?id=37&ob=1

How keen are they in Switzerland for doing this sort of thing? Do they usually just stick to basic treatments or does it depend on the insurance company?
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  #49  
Old 07.03.2011, 14:49
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Re: Wife's employer didn't take out accident insurance (I think)

Welcome home to Mrs Cosmos today and 'bonne chance' at the hospital tomorrow. Tell us how you got on.
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  #50  
Old 07.03.2011, 16:59
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Re: Wife's employer didn't take out accident insurance (I think)

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Cosmos, I am so sorry you and your wife have to deal with this stress on top of her injuries! It's frustrating that your wife is working with a contract and following all the rules and then this happens anyway!

I agree with Ittigen. If your wife can stay in the UK for a while it might make things simpler until you can figure out where you stand and who's responsible to pay here. If you're feeling guilty about using the NHS that's understandable, but if you paid in for many years and need it now, you are still citizens and it's still your country.

I wish you lots of luck!
Firstly so sorry to hear about your wifes injuries and hope she recovers well.

Just wanted to point out that If you move away from the UK permanently, you will no longer be entitled to medical treatment under normal NHS rules. Although one of the exception is if you are working abroad as a Nanny or Au Pair.

Generally your entitlement to healthcare while abroad is not linked to previous National Insurance contributions.

Although I very much doubt you would be turned away. Fingers crossed your wifes employer has the relevent cover and is just being slow in providing the information.

Good Luck!
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  #51  
Old 07.03.2011, 17:18
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Re: Wife's employer didn't take out accident insurance (I think)

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Firstly so sorry to hear about your wifes injuries and hope she recovers well.

Just wanted to point out that If you move away from the UK permanently, you will no longer be entitled to medical treatment under normal NHS rules. Although one of the exception is if you are working abroad as a Nanny or Au Pair.

Generally your entitlement to healthcare while abroad is not linked to previous National Insurance contributions.

Although I very much doubt you would be turned away. Fingers crossed your wifes employer has the relevent cover and is just being slow in providing the information.

Good Luck!
entitlement is lost after 18 months tax resident away only though. Plus its the NHS - part of its absolutel brilliance is it still works on the idea of helping people who are sick and not making money.
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  #52  
Old 08.03.2011, 11:46
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Re: Wife's employer didn't take out accident insurance (I think)

Thanks to everyone for their messages.

Mrs Cosmos returned yesterday. She is feeling much better and isn't taking almost as many painkillers anymore.

Appointment with the doctor today. Thanks to Odile for booking this.
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  #53  
Old 08.03.2011, 11:48
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Re: Wife's employer didn't take out accident insurance (I think)

You are most welcome. Tell us how you got on.
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  #54  
Old 08.03.2011, 11:48
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Re: Wife's employer didn't take out accident insurance (I think)

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Firstly so sorry to hear about your wifes injuries and hope she recovers well.

Just wanted to point out that If you move away from the UK permanently, you will no longer be entitled to medical treatment under normal NHS rules. Although one of the exception is if you are working abroad as a Nanny or Au Pair.

Generally your entitlement to healthcare while abroad is not linked to previous National Insurance contributions.

Although I very much doubt you would be turned away. Fingers crossed your wifes employer has the relevent cover and is just being slow in providing the information.

Good Luck!
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entitlement is lost after 18 months tax resident away only though. Plus its the NHS - part of its absolutel brilliance is it still works on the idea of helping people who are sick and not making money.
Thanks for both of your messages. Have you got links backing up this though? The only thing I could find was this:

http://www.dh.gov.uk/en/Healthcare/E...able/DH_074374

Which doesn't mention either of the points you both brought up.
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Old 09.03.2011, 20:21
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Re: Wife's employer didn't take out accident insurance (I think)

Just to update everyone. Went to the hospital yesterday and her burns are healing quite nicely.

We went to fill out a report for the accident today at her employer's. At one point she asked about the place where this happened and said that the insurance company could could bill the owner of the house for the medical cost and the salary paid to my wife since it happened at his property so the property owner is responsible.

This would normally be charged to the private liability insurance but this really isn't commonplace in the UK as some of you will know.

What I'm more concerned about is if this is even possible? For someone to be at blame just because the person was in their house at the time

Sounds quite scary to me. I wouldn't ever invite anyone to my house if that was the case.
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Old 09.03.2011, 21:26
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Re: Wife's employer didn't take out accident insurance (I think)

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What I'm more concerned about is if this is even possible? For someone to be at blame just because the person was in their house at the time
I guess so, but probably unlikely, as that kind of "blame" game is somewhat cultural. Unless real negligence can be proven, it would be unlikely to make it to court in the UK, which would entail the insurance company going after the person through the Swiss courts, which raises all sorts of challenges, given that the owner is not based in CH (I'm guessing).

Just my 2 raps.
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Old 09.03.2011, 21:34
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Re: Wife's employer didn't take out accident insurance (I think)

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I guess so, but probably unlikely, as that kind of "blame" game is somewhat cultural. Unless real negligence can be proven, it would be unlikely to make it to court in the UK, which would entail the insurance company going after the person through the Swiss courts, which raises all sorts of challenges, given that the owner is not based in CH (I'm guessing).

Just my 2 raps.
Thanks for your reply. Yes the house is in Scotland and that is where he's based.

The amount will be relatively low so I don't see the insurance company bothering to go after it.

The whole premise of claiming the expenses just because of the location astounds me.
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Old 10.03.2011, 10:37
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Re: Wife's employer didn't take out accident insurance (I think)

Went for another appointment today and her burns are healing quite nicely I contacted a plastic surgeon in the Uk with pictures and he thinks at worst she has a 50% chance of skin discolouration. So we are hoping for the best.

I am however at the end of my tether in terms of dealing with my Wife's employer. She has decided officially to not go through the Accident Insurance and that she is doing us a favour by paying any bills. She said that she thinks its better like this so that there isn't any investigation into what happened.

I replied that it's her choice how the bills get paid, as long as they get paid. To which she actually said that no it isn't her responsibility because it's not going through insurance.

I have explained to her that there is nothing sinister surrounding the burns. She was in the kitchen and an oven glove caught on a frying pan and she spilt a good bit of oil on herself. It was my wife's fault. That's what insurance is for. To pay for accidents when it's your fault. She keeps citing when her son had an accident when someone rode a bike past him and he fell and chipped a tooth and the bike rider had to pay. Well obviously since he was the cause of the accident he had to pay.

I guess that's what happens when you are brown. Obviously the husband didn't like something his wife said so poured boiling oil on her.

She actually said at one point that she has more important things to worry about just now too. Real classy.

Message to anyone looking to employ a Nanny or Au pair privately. Don't screw them around like this. If you aren't prepared to deal with when the employee has an accident like this or deal with any other issue which a normal employer has to deal with, then send your children to a creche.
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Old 10.03.2011, 20:57
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Re: Wife's employer didn't take out accident insurance (I think)

I am so glad to hear she is healing well and not in too much pain.

Your employer is right from the Swiss point of view - here you are strongly advised to have personal liability for any visitors to your home. But as the accident happened in Scotland, and the costs are not huge- it is ridiculous for her to use this as an excuse. I feel she is doing it to frighten and intimidate you. It is a very sad fact that there are dozens of cases of Indian women, wives or daughters, being severely burnt and scarred as a punishment. This is a tragic fact- however to use this against you is again really dreadful. Is your wife working again or when is she supposed to go back?

I am absolutely no expert - but I would like to ascertain for absolutely sure, that the employer has NO insurance- because of the future. If there is NONE- I would insist of the employer providing one and give you the proof/copy. I guess the employer will be reluctant to provide this- in which case the BIG question will arise. Will your wife want to continue to work there or not?? And how easy it will be for her to find something else?
Sorry to be blunt - but there is no point complaining about it - and at the same time put up with an un-clear situation. I'd also want to investigate further who and how to expose your employer, if she is acting illegally by not providing insurance- should she not cooperate with the current situation.

Last edited by Odile; 10.03.2011 at 21:18.
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Old 10.03.2011, 21:00
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Re: Wife's employer didn't take out accident insurance (I think)

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She said that she thinks its better like this so that there isn't any investigation into what happened.
Major load of BS, I am happy to hear that wife is doing fine though

hugs!
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