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  #21  
Old 21.12.2011, 15:45
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Re: Accident Insurance while unemployed...

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I think, Sbrinz is right, check with RAV asap- so hope he is - and that you will soon be better.

It seems that many here do not realise (see Kein Franzosich recent post) that
HEALTH INSURANCE DOES NOT COVER ACCIDENTS - the cost of extra accident cover is minimal really, so really not worth not being fully covered.
She's already found out. But do remember that if you have non-employer supplied accident insurance you are still subject to the franchise and retention.
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  #22  
Old 21.12.2011, 15:52
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Re: Accident Insurance while unemployed...

Agreed, just thought I'd repeat this as it is so important an issue- for the sake of a few Chuffs on top (about 25CHF depending on insurance) - it is just not worth leaving yourself open to ginormous costs.
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  #23  
Old 21.12.2011, 15:53
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Re: Accident Insurance while unemployed...

Quote:
I think, Sbrinz is right, check with RAV asap- so hope he is - and that you will soon be better.

It seems that many here do not realise (see Kein Franzosich recent post) that
HEALTH INSURANCE DOES NOT COVER ACCIDENTS - the cost of extra accident cover is minimal really, so really not worth not being fully covered.
Im actually a bit lucky as I my former employer covers me for 6 months after I have left
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  #24  
Old 21.12.2011, 15:54
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Re: Accident Insurance while unemployed...

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She's already found out. But do remember that if you have non-employer supplied accident insurance you are still subject to the franchise and retention.
Caramba, I am so happy I am covered with my employer then...
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  #25  
Old 21.12.2011, 15:59
porsch1909
 
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Re: Accident Insurance while unemployed...

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Agreed, just thought I'd repeat this as it is so important an issue- for the sake of a few Chuffs on top (about 25CHF depending on insurance) - it is just not worth leaving yourself open to ginormous costs.
But like regular basic insurance it is covered even if you don't pay it as it is compulsory. You'd have to back pay the premiums you didn't pay.

I don't know for sure but I'd assume that's the case.
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  #26  
Old 21.12.2011, 16:05
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Re: Accident Insurance while unemployed...

Don't get this Porsche. Accident is NOT compulsory if you are self-employed or retired, health insurance is, but you only have 3 months to get it organised and back pay to day you arrived in country. Otherwise nobody would pay, wait for an accident to occur and then decide to join and back pay??? How can any system work like this?
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  #27  
Old 21.12.2011, 16:31
porsch1909
 
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Re: Accident Insurance while unemployed...

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Don't get this Porsche. Accident is NOT compulsory if you are self-employed or retired, health insurance is, but you only have 3 months to get it organised and back pay to day you arrived in country. Otherwise nobody would pay, wait for an accident to occur and then decide to join and back pay??? How can any system work like this?
I'm not saying that that's a good idea to do. But I was under the impression that accident insurance is compulsory for all Swiss residents. You say it isn't for self employed or retired. Is it compulsory for unemployed people? If it is and you don't sign up for it, as it is compulsory, when they find out, you will have to back pay it. So there is no huge bill as you said

You can't not pay something that is compulsory.

Have you got a link to say that it is not compulsory for unemployed people?
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  #28  
Old 21.12.2011, 16:40
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Re: Accident Insurance while unemployed...

I declare myself officially lost :s
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  #29  
Old 21.12.2011, 18:45
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Re: Accident Insurance while unemployed...

Sorry Angela , it is indeed confusing. If you are employed, your employer pays for the accident Insurance for accidents at work- and you normally pay a proportion for accidents that happen outside work. If you are self-employed or retired (as we are) you have to pay 2 Insurances, a/ health insurance which is compulsory from day 1 on being on Swiss territory, in fact day 1 of the month you arrived (so never arrive on the 30th or 31st or you will have to pay for whole month, yep) - although you have 3 months to arrange (same for employed) AND ON TOP OF that, pay for accident insurance. This part is not compulsory- but as said above relatively cheap and not worth being without.

Where I am not sure, is what happens to unemployed people - it seems you are covered by your employer's insurance for some time (did you ever have to pay part of the insurance for accidents not at work, or not? Maybe some employers take this on and do not charge part cost). But then, what happens, I am not sure. If I were you I;d check with RAV and your health insurers to make absolutely sure - and I'd be grateful if you would share results, please. In the meantime, pheeeeeew that you are covered, and get better fast.
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  #30  
Old 21.12.2011, 18:50
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Re: Accident Insurance while unemployed...

Hi Odile, I think you missed my previous post I called the RAV and they told me that I was supposed to be insured by my most recent employer (as I stopped working there on the 9th of this month), my employer contacted me and told me they had insured me and they would pay for it for 6 months after I had left the company
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  #31  
Old 21.12.2011, 18:50
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Re: Accident Insurance while unemployed...

Quote from an insurance website (eg not official):

accident insurance


What is an accident insurance?


  • The accident insurance covers medical treatment, daily allowances and pensions. Insurance claims concerning accidents which occur abroad are also covered.
  • All gainfully employed persons are compulsorily insured.
  • Premiums for occupational accidents and diseases are paid by the employer; premiums for non-occupational accidents are paid by the employee and deducted from the salary. Different agreements in favour of the employee are subject to change.
Am I automatically insured?

  • All gainfully employed persons are compulsorily insured against occupational and non-occupational accidents as well as against occupational diseases. Unemployed persons registered as unemployed are also insured.
  • The following persons are not automatically insured:
    • Persons employed less than 8 hours per week are not insured against non-occupational accidents.
    • Self-employed persons, housewives.


Unquote, my bold. So good news for Angela. That word 'housewife' I presume also includes house husbands, retired, concubines, etc.

Last edited by Odile; 21.12.2011 at 19:17.
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  #32  
Old 21.12.2011, 18:58
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Re: Accident Insurance while unemployed...

On the other side, as a 'housewife' I was told that I must have accident insurance with my basic cover, and it was difficult to have it removed once I started work - they asked three times for 'proof' of employment...I was double insured for about 18 months before I finally got it sorted...but as others have said, it's not expensive...
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  #33  
Old 21.12.2011, 19:25
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Re: Accident Insurance while unemployed...

All the above is true, and I would like to add the following:

The employer is obliged to insure you against accidents at work if you work more than 8 hours per week (Corrected, see below). The insurance will only pay out your lost earnings after about 5 days out of work! Some employees automatically add extra cover for these first few days, and sometimes charge you the extra from your monthly payment. They can also charge you for the private accident cover, but that is seldom.

When you are unemployed and you are registered with the RAV, you are covered by the SUVA (I can't remember if there is a 5 day waiting rule)

When you are not on the RAV, but receiving social help, you are not covered for accidents, and you should inform your sickness insurance who will charge you approximately CHF 25 per month for the accident cover.

Last edited by Sbrinz; 21.12.2011 at 19:39.
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  #34  
Old 21.12.2011, 19:28
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Re: Accident Insurance while unemployed...

Hope you don't mind me correcting your excellent post Sbrinz - it is 8 hours per week, not month.
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  #35  
Old 21.12.2011, 22:45
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Re: Accident Insurance while unemployed...

This post is for reference, should someone stumble on this thread while looking for information on this topic sometime in the future. In particular, Angela, this doesn't apply to you as you said that your employer has confirmed that you're covered through him for another six months (I assume that this is some extra benefit provided by your employer).

The general situation is what Tilia mentioned a few posts back: following the termination of your job, you're still covered by your employer's accident insurance for 30 days. Furthermore you have the right to extend your coverage with your employer's accident insurance provider for up to additional 180 days, by stipulating an "insurance by convention" (Abredeversicherung). It is important that the first premium be paid before the end of the 30 day period. This is not necessary if you register with RAV and receive unemployment benefits, since in that case you're automatically covered by SUVA. On the other hand, it may be relevant for someone taking an unpaid leave.

For further information, see e.g.:
http://www.suva.ch/startseite-suva/v...erung-suva.htm
http://www.comparis.ch/krankenkassen...lldeckung.aspx
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  #36  
Old 12.12.2017, 13:41
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Re: Accident Insurance while unemployed...

Hello, I will try to revive an old topic.

Is a person who is registered by RAV but does not receive unemployment benefits also insured for accidents by SUVA? After 30 days of unemployment that is.

And who actually decides on whether or not you are insured? RAV, SUVA or Arbeitslosenkasse? I'm not sure if I have to keep sending the "Angaben der versicherten Person" to my Arbeitslosenkasse or not.

I apologize if this was answered already, read through RAV regulations, googled it, read a couple of topics here but I'm still not sure.
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  #37  
Old 12.12.2017, 14:37
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Re: Accident Insurance while unemployed...

This is an add-on to the mandatory health insurance. Call and instruct them that you want to include accident insurance starting immediately. Request written or eMail confirmation.

Your health insurance premium will rise a bit by that.
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  #38  
Old 12.12.2017, 15:20
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Re: Accident Insurance while unemployed...

@Urs Max Maybe I haven't made myself clear or maybe you have answered already and I didn't get it .

I've been paying for the accident insurance for about a year when I was unemployed but I wasn't registered with RAV. Now I am registered as a job seeker. And since RAV keeps referring to me as a "versicherte Person" I started thinking, that maybe I don't have to pay extra 10-15 chf every month and that it is covered as long as I am following the rules by RAV.

I am almost sure that I would not have to pay it, if I were entitled to the unemployment benefits. But since I'm not, where do I fit? And how is Arbeitslosenkasse connected to all of this?
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  #39  
Old 12.12.2017, 15:33
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Re: Accident Insurance while unemployed...

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@Urs Max Maybe I haven't made myself clear or maybe you have answered already and I didn't get it .

I've been paying for the accident insurance for about a year when I was unemployed but I wasn't registered with RAV. Now I am registered as a job seeker. And since RAV keeps referring to me as a "versicherte Person" I started thinking, that maybe I don't have to pay extra 10-15 chf every month and that it is covered as long as I am following the rules by RAV.

I am almost sure that I would not have to pay it, if I were entitled to the unemployment benefits. But since I'm not, where do I fit? And how is Arbeitslosenkasse connected to all of this?
You pay for accident insurance as a deduction from insurance payout, it's about 2,7% of the amount payable. If your have not opened a rahemnfrist I don't think your covered. After leaving employment you can get 6 months cover from SUVA or your old companies insurance. The advantage with employers ? RAV insurance is zero excess.
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  #40  
Old 12.12.2017, 16:05
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Re: Accident Insurance while unemployed...

There are two different situations.

If you receive (are due for this month) RAV payments you're automatically insured against accidents, that's what FMF refers to. Since you're registered with RAV now this probably applies to you.

Your question further up however is on people who don't receive RAV payments. In such a case you can get accident insurance from your mandatory health insurance. In fact you can tick that option anytime but it's useless while you're employed so you pay more than necessary.

RAV (or unemployment insurance, to be a bit more precise) is an insurance (that pays in case of joblessness). From this institution's point of view the clients are "Versicherte", insured people, hence the wording.
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