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Old 16.01.2014, 12:58
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Work accident insurance will not pay for back accident, but to previous back problem

Hi guys,

Sorry to bother everyone, but my works accident insurance has decided they will not pay for a back injury (dr, MRI, chiro, physio, etc) in December.

They say this is due to a back surgery in the UK 17 years ago, when i had probelms that started over 20 years ago...........

I suspect I know the answer, but do I have any leg to stand on to argue?

Thanks, Vada
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Old 16.01.2014, 13:00
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Re: Work accident insurance will not pay for back accident, but to previous back prob

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Hi guys,

Sorry to bother everyone, but my works accident insurance has decided they will not pay for a back injury (dr, MRI, chiro, physio, etc) in December.

They say this is due to a back surgery in the UK 17 years ago, when i had probelms that started over 20 years ago...........

I suspect I know the answer, but do I have any leg to stand on to argue?

Thanks, Vada
It's going to be a health insurance matter, only difference is you have to pay the excess.
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Old 16.01.2014, 13:01
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Re: Work accident insurance will not pay for back accident, but to previous back prob

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Hi guys,

Sorry to bother everyone, but my works accident insurance has decided they will not pay for a back injury (dr, MRI, chiro, physio, etc) in December.

They say this is due to a back surgery in the UK 17 years ago, when i had probelms that started over 20 years ago...........

I suspect I know the answer, but do I have any leg to stand on to argue?

Thanks, Vada
Did you have a medical before you started? If so, was the previous operation listed as a pre-existing condition? If not, you might have an argument if you find a doctor to categorically state this accident was not related to your previous op.
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Old 16.01.2014, 13:01
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Thanks, i have max excess, so sounds like I am jiggered

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Did you have a medical before you started? If so, was the previous operation listed as a pre-existing condition? If not, you might have an argument if you find a doctor to categorically state this accident was not related to your previous op.
No - no medical before I started. The operation was in UK a long time ago, so unsure how to appraoch. Will ask insurance on this.

Last edited by 3Wishes; 22.07.2015 at 16:25. Reason: merging consecutive replies
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Old 16.01.2014, 13:35
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Re: Work accident insurance will not pay for back accident, but to previous back prob

If you are not successful, there is an Ombudsman for health insurance matters, https://secure.om-kv.ch/html/aufgabe.html

these insurance companies agree to work with him, https://secure.om-kv.ch/html/krankenversicherer.php
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