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Old 21.12.2011, 12:58
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Accident Insurance while unemployed...

Hi Guys,

This is the dilemma: I was fired end November and my notice period covered me until the 9th of December, so I worked until then.
I had an accident yesterday, fell of the bike because of snow, lost control of it and I have dislocated my knee...I do not have accident insurance included in my health insurance as most of you probably so I am wondering if I should be expected to be covered by my previous employer or if I have to inform the RAV or if I will have to pay for all the costs *gulp*...

Thanks for any advice!!!
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Old 21.12.2011, 13:07
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Re: Accident Insurance while unemployed...

If I remember correctly regarding what I've previously read on the forum (don't have the time to research this at the moment), then whilst you are receiving RAV payments, accident insurance is covered via them. Get in touch with them as soon as possible to let them know and start the process.

Even if I am wrong, presumably they will need to know anyway as this may have an affect on your ability to work should they present you with job opportunities whilst you are injured.

Take care and get well soon.
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Old 21.12.2011, 13:07
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Re: Accident Insurance while unemployed...

I believe you are covered by your unemployment.

See the following link for more info:

http://www.suva.ch/startseite-suva/v...slose-suva.htm
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Old 21.12.2011, 13:10
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Re: Accident Insurance while unemployed...

Can you not use your basic insurance to see a GP 1st? Normally the employer only cover accident.

It would be strange if you tell me now that you do not even have a obligatory insurance??

Once your employment if over, there are no more accident insurance. You have to top it up yourself on your basic obligatory insurance
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Old 21.12.2011, 13:17
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Re: Accident Insurance while unemployed...

Thanks everyone I have registered with the RAV as soon as I knew about my unemployment. I will give them a call later today when their offices open up again.
I talked to a friend who has been through this and she told me that my accident insurance is still valid three months after I leave a position so maybe I am still covered by my previous job! I will contact them too as I do not lose anything...

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It would be strange if you tell me now that you do not even have a obligatory insurance??
Now where did I say that? If you read my OP I state that I am NOT covered with my health insurance, meaning I do have one like any responsible person...I have been here long enough to know what my obligations are.
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Old 21.12.2011, 13:25
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Re: Accident Insurance while unemployed...

I am fairly sure you are covered by your old employer's insurance up to 30 days after leaving. With the RAV you are insured for accidents, but not for illness.
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Old 21.12.2011, 13:32
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Re: Accident Insurance while unemployed...

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I am fairly sure you are covered by your old employer's insurance up to 30 days after leaving. With the RAV you are insured for accidents, but not for illness.
Thanks Sbrinz I will call RAV andfind out but have also talked to both previous employers see what they say
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Old 21.12.2011, 13:42
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Re: Accident Insurance while unemployed...

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I am fairly sure you are covered by your old employer's insurance up to 30 days after leaving. With the RAV you are insured for accidents, but not for illness.
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Thanks Sbrinz I will call RAV andfind out but have also talked to both previous employers see what they say
I was also covered for 30 days after my job ended but it might be dependent on your contract (someone mentioned they were covered for 3 months) after they left their job so obviously it varies but I think 30 days is pretty standard across the board.

PS - sorry you lost your job!

Last edited by Sandgrounder; 21.12.2011 at 13:53.
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Old 21.12.2011, 13:57
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Re: Accident Insurance while unemployed...

30 days (after the day you had at least 50% of your salary) is the legal minimum (cf. art. 3 of the "law on accident insurance" [UVG]) .


Sorry about your job.
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Old 21.12.2011, 13:58
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Re: Accident Insurance while unemployed...

Thanks SG this is not my year but Im hopeful for next
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Old 21.12.2011, 14:10
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Re: Accident Insurance while unemployed...

Sorry to hear of your misfortune. I've dislocated my knee (once from just turning over in bed !) and know how much it can hurt.

Plus, you're obviously far too honest. Your health care would have covered you if you if you had just turned up at the GPs..

"My knee hurts"
"Have you had an accident ?"
"No, just woke up this morning and it was really sore"

It's a disgrace you should be worried about medical care.. this isn't America !
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Old 21.12.2011, 14:54
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Re: Accident Insurance while unemployed...

Lol Ipoddle! For me it is obvious I had an accident as the main problem is my tendons have gone wuth the knee! I hope Rav covers me!!
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Old 21.12.2011, 15:11
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Re: Accident Insurance while unemployed...

It ends 30 days after termination and your emloyer have to inform you of the posibility to extend it up to 180 days. So I am sure you have received information about this from your emloyer and most likely also a payment slip for the extension in case you want to make use of it.
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Old 21.12.2011, 15:19
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Re: Accident Insurance while unemployed...

Unfortunately I have not received anythinv from them but I have contacted them in any case thanks
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Old 21.12.2011, 15:27
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Re: Accident Insurance while unemployed...

I had a dislocation of my right shoulder years ago who had to be fixed through surgery. If the knee dislocation is as bad as the shoulder one, ouch! I feel your pain!

Hope you get well soon honey! If you come over, let me know if I can help you!
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Old 21.12.2011, 15:57
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Re: Accident Insurance while unemployed...

Just to let everzone know what happened...RAV told me that since my last working day was in December I should be covered with the latest employer. Good news my employer responded to my email and they told me I am covered with them until 6 months after I left, I am so happy.

Thanks to everyone that contributed and for the kind words hoping for my speedy recovery

Lesson learnt: Do not ride a motorbike when it has been snowing duh!
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Old 21.12.2011, 16:02
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Re: Accident Insurance while unemployed...

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Lesson learnt: Do not ride a motorbike when it has been snowing duh!

I think most people knew that already
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Old 21.12.2011, 16:06
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Re: Accident Insurance while unemployed...

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Just to let everzone know what happened...RAV told me that since my last working day was in December I should be covered with the latest employer. Good news my employer responded to my email and they told me I am covered with them until 6 months after I left, I am so happy.

Thanks to everyone that contributed and for the kind words hoping for my speedy recovery

Lesson learnt: Do not ride a motorbike when it has been snowing duh!
I'm pretty sure you fell even when it wasn't snowing....just saying...be careful *cyber hug hetero*
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Old 21.12.2011, 16:37
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Re: Accident Insurance while unemployed...

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I'm pretty sure you fell even when it wasn't snowing....just saying...be careful *cyber hug hetero*
Hey this is only my second ever fall! First time it was nothing though

Hugs back

A
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Old 21.12.2011, 16:44
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Re: Accident Insurance while unemployed...

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I am fairly sure you are covered by your old employer's insurance up to 30 days after leaving. With the RAV you are insured for accidents, but not for illness.
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.
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