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  #21  
Old 12.10.2016, 11:46
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Re: What is Accident Insurance (UVG)?

UVG is the name of the law covering accident insurance.

Accidents are divided into
BU (Berufsunfälle) = accidents that happen at work and on the direct journey from home to work and back
and
NBU (Nicht-Berufsunfälle) = accidents that happen outside of work and off the direct journey from home to work and back.

If you are employed for less than 8 hours a week, your employer will have insured you for BU.
For NBU, you should have accident insurance through your medical insurance policy (= with the "Krankenkasse").

If you are employed for 8 hours per week or more, your employer will have insured you for BU, and ALSO for NBU. This is compulsory for all employers.

Therefore, if you have BU and NBU through your employer, inform them.
If your NBU is through your medical insurer, inform them.

IN ANY CASE, a central thing you need to get hold of is the Unfallnummer (= accident number).

Sometimes, the employer says their accident insurance should generate this number, while the hospital says your medical insurer should generate it, and this can go round in circles. Nevertheless, persevere. Keep asking them all, ideally in writing, to let you know what the accident number is. You are likely be asked for it again and again, if the consequences of this accident lead to your neading a variety of treatments, e.g. surgery, physiotherapy, rehab, etc. Its purpose it to make sure that the correct insurer covers the costs.

Oh, and good wishes for a speedy and complete recovery!
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  #22  
Old 12.10.2016, 12:12
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Re: What is Accident Insurance (UVG)?

1) Yes it's covered.
2) Whether abroad or not doesn't matter (yes I have experience)
3) Inform your employer, fill out an accident form (available online through the insurance or your employer), go to doctor/get fixed whatever you need fixed - done.
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  #23  
Old 13.10.2016, 15:24
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Re: What is Accident Insurance (UVG)?

Thanks, I got my accident aboard while on vacation and am still being treated here (it is just few stiches an it is not too expensive, several hundreds of CHFs).

How do I get my Unfallnummer?

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UVG is the name of the law covering accident insurance.

Accidents are divided into
BU (Berufsunfälle) = accidents that happen at work and on the direct journey from home to work and back
and
NBU (Nicht-Berufsunfälle) = accidents that happen outside of work and off the direct journey from home to work and back.

If you are employed for less than 8 hours a week, your employer will have insured you for BU.
For NBU, you should have accident insurance through your medical insurance policy (= with the "Krankenkasse").

If you are employed for 8 hours per week or more, your employer will have insured you for BU, and ALSO for NBU. This is compulsory for all employers.

Therefore, if you have BU and NBU through your employer, inform them.
If your NBU is through your medical insurer, inform them.

IN ANY CASE, a central thing you need to get hold of is the Unfallnummer (= accident number).

Sometimes, the employer says their accident insurance should generate this number, while the hospital says your medical insurer should generate it, and this can go round in circles. Nevertheless, persevere. Keep asking them all, ideally in writing, to let you know what the accident number is. You are likely be asked for it again and again, if the consequences of this accident lead to your neading a variety of treatments, e.g. surgery, physiotherapy, rehab, etc. Its purpose it to make sure that the correct insurer covers the costs.

Oh, and good wishes for a speedy and complete recovery!
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  #24  
Old 13.10.2016, 15:38
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Re: What is Accident Insurance (UVG)?

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Thanks, I got my accident aboard while on vacation and am still being treated here (it is just few stiches an it is not too expensive, several hundreds of CHFs).

How do I get my Unfallnummer?
You call your accident insurance, report the case, you get a case no. (Unfallnummer).
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