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  #21  
Old 10.10.2012, 09:21
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Re: Accident on the way to work

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Even if he was still on his way, and not at work? ...... interesting.
I injured my knee at home and reported the accident to the employer only 8 months later, when I was told I needed surgery. Still everything was covered 100% by the accident insurance. But it is better to inform the insurance sooner.

Get well soon Lejoker!
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  #22  
Old 10.10.2012, 11:41
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Re: Accident on the way to work

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Even if he was still on his way, and not at work? ...... interesting.
Yeah, just the way Swiss employer's insurance works I guess. OH gets a small deduction off his normal insurance premiums because his accident cover comes via his employer's insurance. But then his company gets to claim most of his salary costs back from some other sort of insurance so they don't really lose out with him being off work as it were. Strange, but true.
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  #23  
Old 10.10.2012, 11:51
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Re: Accident on the way to work

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Same here, came off the motorcycle once and, despite wearing race-weight leathers, managed to later develop a bursitis above my RH knee, all treatments and eventual surgery paid for by SUVA.
I came off my bike six years ago now, and never even saw any of the bills for ambulance, helicopter, surgery, hospital stay, physio etc. etc. The ongoing treatment (just drugs and a yearly visit to renew the scrip) is still being covered by SUVA.

It's not just the lack of any 'deductible' that makes this better, although all prescriptions and doctors' appointments are paid directly, they also provide compensation pay-out, even if the accident were your own fault.
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  #24  
Old 10.10.2012, 11:59
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Re: Accident on the way to work

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I came off my bike six years ago now, and never even saw any of the bills for ambulance, helicopter, surgery, hospital stay, physio etc. etc. The ongoing treatment (just drugs and a yearly visit to renew the scrip) is still being covered by SUVA.

It's not just the lack of any 'deductible' that makes this better, although all prescriptions and doctors' appointments are paid directly, they also provide compensation pay-out, even if the accident were your own fault.
Thats why the premiums are nearly 3% of salary, your salary is fully covered if you cant work again.
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  #25  
Old 10.10.2012, 12:12
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Re: Accident on the way to work

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Yeah, just the way Swiss employer's insurance works I guess.
It's not the employer's insurance, it's yours, as you pay for it!

Tom
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  #26  
Old 10.10.2012, 18:46
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Re: Accident on the way to work

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It's not the employer's insurance, it's yours, as you pay for it!
The work accident insurance premiums are borne by the employer, the non-work accident insurance premiums are borne by the employee.
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  #27  
Old 10.10.2012, 19:01
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The work accident insurance premiums are borne by the employer, the non-work accident insurance premiums are borne by the employee.
The non work insurance the cost is split between employee & employer, in some cases the employer pays it all.
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  #28  
Old 15.10.2012, 20:27
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Re: Accident on the way to work

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The non work insurance the cost is split between employee & employer, in some cases the employer pays it all.
Right, in my case it is 100% covered by the employer...
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  #29  
Old 19.10.2012, 04:41
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Re: Accident on the way to work

I just missed my appointment at the hospital today thinking that it was tomorrow...should I just go to ER tomorrow since I'm travelling Friday?
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  #30  
Old 19.10.2012, 09:48
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Re: Accident on the way to work

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I just missed my appointment at the hospital today thinking that it was tomorrow...should I just go to ER tomorrow since I'm travelling Friday?
Today is Friday so you better hurry!
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  #31  
Old 21.10.2012, 21:30
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Re: Accident on the way to work

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Today is Friday so you better hurry!
thanks a lot Fatman!

I got a new cast put on it which i will have to keep for the next 3 weeks. It is already too tight and there is rubbing against my ankle. The problem is that I am back in the US and would like to know if going to a hospital here would be covered or not...I still have another full week before I'm back.

Thanks!
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  #32  
Old 21.10.2012, 21:33
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Re: Accident on the way to work

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thanks a lot Fatman!

I got a new cast put on it which i will have to keep for the next 3 weeks. It is already too tight and there is rubbing against my ankle. The problem is that I am back in the US and would like to know if going to a hospital here would be covered or not...I still have another full week before I'm back.

Thanks!
I think you would have to ask the insurers that question.
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  #33  
Old 21.10.2012, 21:39
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Re: Accident on the way to work

Do you not read your payslip? You actually pay for this insurance. It isnt free.
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