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Old 17.03.2014, 15:55
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What is Accident Insurance (UVG)?

Hi All,

I don't really understand accident insurance, or at least where the line crosses from accident insurance to personal insurance.

If I have an accident skiing, and hurt my knee, requiring surgery, is this accident insurance or personal insurance?

Does it make a difference which insurance covers this if your personal insurance franchise fee is low? If your franchise fee is high, do the two insurances work together?

I've googled this topic a few times and I can't understand it, especially coming from a publicly funded universal health care country.

Thanks!
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Old 17.03.2014, 15:59
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Re: What is Accident Insurance (UVG)?

Accident insurance is normally paid by your employer (or you pay it if you don't work). Any accidents, either work connected or not are covered by this insurance.

It's fairly clear cut. Have an accident, get treated, tell your HR department, they either fill the form or you do it and they help, treatment is paid for 100%. The franchise on your health insurance is irrelevant.
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Old 17.03.2014, 16:10
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Re: What is Accident Insurance (UVG)?

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Accident insurance is normally paid by your employer (or you pay it if you don't work). Any accidents, either work connected or not are covered by this insurance.

It's fairly clear cut. Have an accident, get treated, tell your HR department, they either fill the form or you do it and they help, treatment is paid for 100%. The franchise on your health insurance is irrelevant.
And in practice it's always a good idea to try to get any injury covered on the accident insurance, even if you can't be precise about where and when it occurred. As long as it's the sort of injury that must be related to an accident of some sort they will normally accept it, e.g. a knee meniscus tear that happened some time last year and a broken ACL that must have been about 12 years ago...
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Old 17.03.2014, 16:10
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Re: What is Accident Insurance (UVG)?

What Sandgrounder said.

Our son had a ski accident recently and the accident insurance has so far paid for everything.
As he is a minor and doesn't work the accident cover was taken out as part of the health insurance but the two are treated completely seperately. ( although we sent the bills of to the health insurer as normal).

They have so far paid 250chf for his recovery from the slopes and 1300 chf for the transfer by ambulance without us having to pay anything.
We haven't received any hospital bills yet but I believe they send them to the insurer directly.
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Old 17.03.2014, 16:19
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Re: What is Accident Insurance (UVG)?

Thanks for the quick replies! I guess I was over complicating it.

On the same topic, I don't have a family doctor yet. Is there somewhere in Zurich I can go to the doctor immediately as in this evening or the next day?

I called the Schulthess Klinik as recommended on another thread but they are saying the earliest is next week which is far too long of a wait for the injury.
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Old 17.03.2014, 16:20
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Re: What is Accident Insurance (UVG)?

Another point worth considering; if you have even a minor accident which required no treatment at the time, still report it to your HR with all the details etc. If you happen to require treatment down the road because of it, you will still be covered. My wife did this after tripping and stumbling down some steps. She only had a pretty impressive bruise at the time, but was concerned she might have pulled a muscle in her back or something. In the end she needed no treatment, but it's better to report it and not need it than the other way round.
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Old 17.03.2014, 16:21
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Re: What is Accident Insurance (UVG)?

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Thanks for the quick replies! I guess I was over complicating it.

On the same topic, I don't have a family doctor yet. Is there somewhere in Zurich I can go to the doctor immediately as in this evening or the next day?

I called the Schulthess Klinik as recommended on another thread but they are saying the earliest is next week which is far too long of a wait for the injury.
Try the Balgrist clinic, it is another specialist orthopaedic centre.
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Old 17.03.2014, 16:26
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Re: What is Accident Insurance (UVG)?

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On the same topic, I don't have a family doctor yet. Is there somewhere in Zurich I can go to the doctor immediately as in this evening or the next day?

I called the Schulthess Klinik as recommended on another thread but they are saying the earliest is next week which is far too long of a wait for the injury.

Look in the phone book for a doctor near you.
Go to another hospital near you: USZ, Triemli, Waid, Hirslanden, Balgrist.

About Schulthess: As it is a privat hospital (as is Hirslanden) your insurance may not cover it. Better check with your HR and Hospital/Doctor what level your insurance will pay.
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Old 17.03.2014, 16:28
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Re: What is Accident Insurance (UVG)?

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Another point worth considering; if you have even a minor accident which required no treatment at the time, still report it to your HR with all the details etc. If you happen to require treatment down the road because of it, you will still be covered. My wife did this after tripping and stumbling down some steps. She only had a pretty impressive bruise at the time, but was concerned she might have pulled a muscle in her back or something. In the end she needed no treatment, but it's better to report it and not need it than the other way round.
IME it doesn't matter if you report it at the time or not. It might vary between insurers (ours is SUVA) but we've certainly found that going to the surgeon first, who can confirm that it's an accident-related injury, then reporting an approximate date for the accident is sufficient.

I still agree with your suggestion, mind, but it shouldn't be essential to do that.
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Old 17.03.2014, 16:30
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Re: What is Accident Insurance (UVG)?

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Thanks for the quick replies! I guess I was over complicating it.

On the same topic, I don't have a family doctor yet. Is there somewhere in Zurich I can go to the doctor immediately as in this evening or the next day?

I called the Schulthess Klinik as recommended on another thread but they are saying the earliest is next week which is far too long of a wait for the injury.
Turn up at any of the hospitals with triage or go along to the Permanance walk-in medical centre at the main railway station.

It might be a bit of a wait but you'll definitely be seen earlier than next week.

The have x-ray if the injury requires it. Plus they would be able to prescribe some treatment/pain relief and maybe patch you up until you can get to see a specialist if needed.
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Old 11.06.2014, 12:10
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Re: What is Accident Insurance (UVG)?

Another question with regards to this.

The original doctor checkup said my injury looked fine, x-ray was OK, but the pain seems to be persisting a couple months later. I've got a case # from my employer for the accident insurance coverage:

- Do I need to get a prescription from a doctor to go to a Physiotherapist to ensure the claim coverage will be approved, or can I go directly to a Physiotherapist?

- Also is it normal to ask the Doctor/Physiotherapist to charge directly to my claim number, or for me to pay the bill and send the invoice to my employer?

My questions might sound silly but in Canada we need a prescription first for a physiotherapist for it to be covered.

Thanks!
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Old 11.06.2014, 12:20
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Re: What is Accident Insurance (UVG)?

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Another question with regards to this.

The original doctor checkup said my injury looked fine, x-ray was OK, but the pain seems to be persisting a couple months later. I've got a case # from my employer for the accident insurance coverage:

- Do I need to get a prescription from a doctor to go to a Physiotherapist to ensure the claim coverage will be approved, or can I go directly to a Physiotherapist?

- Also is it normal to ask the Doctor/Physiotherapist to charge directly to my claim number, or for me to pay the bill and send the invoice to my employer?

My questions might sound silly but in Canada we need a prescription first for a physiotherapist for it to be covered.

Thanks!
Get a prescription from your doctor and bring it to the physiotherapist. Everything should be processed automatically through your accident insurance.
I dislocated my shoulder skiing a few years back and this is exactly how everything was dealt with. My GP even referred me to a shoulder specialist of my choice (via a recommendation from a friend).
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Old 11.06.2014, 13:41
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Re: What is Accident Insurance (UVG)?

What Paddy said. Do be careful, though - I have a friend who was in a similar situation and got stuck in a battle between health insurance and accident insurance, with the accident insurer trying to claim it was a health issue. Be sure it's absolutely clear from the beginning, and documented so by the doctors, that this relates to your accident.
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Old 16.06.2014, 10:45
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Re: What is Accident Insurance (UVG)?

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Accident insurance is normally paid by your employer (or you pay it if you don't work). Any accidents, either work connected or not are covered by this insurance.

It's fairly clear cut. Have an accident, get treated, tell your HR department, they either fill the form or you do it and they help, treatment is paid for 100%. The franchise on your health insurance is irrelevant.
Sorry for hi-jacking the thread and maybe my question is a little redundant, but I'm would really appreciate an answer for my own understanding.

Let say I have a good and valid UVG insurrance and I'm in an accident (drove over by car for instance), does the UVG covers all hospital bills or do I have to pay with my deductible from my "krankenheit"-insurrance, i.e 300-2500 SFR?

Does UVG cover dental costs and rehabilitation, or is that my krankenheit-insurrance?

Any input most appreciated!

BR David
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Old 16.06.2014, 10:59
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Re: What is Accident Insurance (UVG)?

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Sorry for hi-jacking the thread and maybe my question is a little redundant, but I'm would really appreciate an answer for my own understanding.

Let say I have a good and valid UVG insurrance and I'm in an accident (drove over by car for instance), does the UVG covers all hospital bills or do I have to pay with my deductible from my "krankenheit"-insurrance, i.e 300-2500 SFR?

Does UVG cover dental costs and rehabilitation, or is that my krankenheit-insurrance?

Any input most appreciated!

BR David
The accident insurance will cover all costs ( hospital bills, dental costs, rehabilitation etc.) for treatment associated with the accident.

You won't normally have to pay with your deductible if you have employer accident insurance but if you are not employed and have your accident insurance via your normal health insurance provider then the deductible will apply.

Note also that only tdental treatment resulting from accidents will be covered unless you have taken out a supplementary dental insurance policy.
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Old 16.06.2014, 11:10
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Re: What is Accident Insurance (UVG)?

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Sorry for hi-jacking the thread and maybe my question is a little redundant, but I'm would really appreciate an answer for my own understanding.

Let say I have a good and valid UVG insurrance and I'm in an accident (drove over by car for instance), does the UVG covers all hospital bills or do I have to pay with my deductible from my "krankenheit"-insurrance, i.e 300-2500 SFR?

Does UVG cover dental costs and rehabilitation, or is that my krankenheit-insurrance?

Any input most appreciated!

BR David
As above, it's really quite simple. First off, if you're hospitalised as a reult of an accident you won't even see any bills for it, let alone need to pay them. It will all be done directly with your UVG.
Secondly, and ongoing treatment that is attributed to the accident will also be covered on the same basis. For as long as it's needed. And yes, this would cover dental work and rehab clinic, if deemed appropriate.

Nowhere in any of this would your normal health insurance be involved.

There may be cases where a course of treatment would be split between the two, however, if both accident and non-accident problems were being treated.

As an example, my surgeon has suggested that if/when I have knee surgery to repair miniscus damage and replace the broken ACL he might also perform a leg-straightening procedure at the same time to avoid future damage. The latter would not be accident-related, so some sort of additional payment through health insurance would be needed to cover it.

(As it happens, I don't think I'm going to get it done, at least not just yet.)
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Old 12.10.2016, 11:16
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Re: What is Accident Insurance (UVG)?

Hi - I got injured on Sunday while being outside of Switzerland; could I claim this via my accident insurance, and if yes, what would be the respective process?
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Old 12.10.2016, 11:20
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Re: What is Accident Insurance (UVG)?

Inform your employer, or, if enemployed, your insurer.

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

Thanks, done, waiting for the response.

Has anyone had such experience with claiming for injuries that happened abroad?

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Inform your employer, or, if enemployed, your insurer.

Tom
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Old 12.10.2016, 11:26
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Re: What is Accident Insurance (UVG)?

It doesn't matter that it was abroad.

And yes, I have.

Tom
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