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Old 01.06.2017, 11:18
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UVG and excess, non-employed

Does the standard Health Insurance franchise (300 -2500 CHF) apply to the additional Accident Insurance that is required with non-employment?

There is one answer I saw here that suggests "maybe" as part of another thread, but it is unclear. Even when I read the small print of the insurance we have, it does not say explicitly

Or does it depend on the provider chosen?
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Old 01.06.2017, 11:40
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Re: UVG and excess, non-employed

Maybe check with your insurer? Wouldn't that make the most sense?
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Old 01.06.2017, 11:48
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Re: UVG and excess, non-employed

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Maybe check with your insurer? Wouldn't that make the most sense?
Forewarned is forearmed.
That is, before I contact them I'd like to have more information.

So, do you have anything more useful please?
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Old 01.06.2017, 12:07
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Re: UVG and excess, non-employed

I'm sorry, I don't either, but you could still call your provider or a competitor, and ask for clarification. You could say you just moved here and are getting informed on how the system works. Good luck!
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Old 01.06.2017, 12:44
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Re: UVG and excess, non-employed

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Does the standard Health Insurance franchise (300 -2500 CHF) apply to the additional Accident Insurance that is required with non-employment?

There is one answer I saw here that suggests "maybe" as part of another thread, but it is unclear. Even when I read the small print of the insurance we have, it does not say explicitly

Or does it depend on the provider chosen?
Yes, if you pay 12 CHF a month you must expect a high franchise.
Employed persons cost about 2.5% of SALARY, however with zero excess & salary insured
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Old 01.06.2017, 13:00
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Re: UVG and excess, non-employed

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Yes, if you pay 12 CHF a month you must expect a high franchise.
Employed persons cost about 2.5% of SALARY, however with zero excess & salary insured
That makes sense.

As it happens, I got an answer from them after a few days.. It does apply
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Old 01.06.2017, 13:26
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Re: UVG and excess, non-employed

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Does the standard Health Insurance franchise (300 -2500 CHF) apply to the additional Accident Insurance that is required with non-employment?
Yes.

Contrary to insurance by your employer, accident insurance by the health insurer is covered by the same law as the health insurance itself and also subject to Franchise.
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Old 01.06.2017, 13:38
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Re: UVG and excess, non-employed

You probably know this already, but as long as you receive unemployment benefits you are still covered by "occupational" accident insurance with a CHF 0 deductible. You only need to add accident insurance to your health insurance policy once your unemployment benefits expire.
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Old 01.06.2017, 13:43
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Re: UVG and excess, non-employed

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You probably know this already, but as long as you receive unemployment benefits you are still covered by "occupational" accident insurance with a CHF 0 deductible. You only need to add accident insurance to your health insurance policy once your unemployment benefits expire.
However you are paying roughly 2.87% of your unemployment pay each month for the privilege.
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Old 01.06.2017, 13:54
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Re: UVG and excess, non-employed

True, but that is deducted whether you like it or not, so if you are paying for the coverage, it is worth using it. Just mentioned it because I have friends who took out accident insurance from a health insurance company after becoming unemployed because they did not know that they were paying for an entitled to accident insurance from Suva for as long as they received unemployment benefits.
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Old 01.06.2017, 15:00
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Re: UVG and excess, non-employed

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You probably know this already, but as long as you receive unemployment benefits you are still covered by "occupational" accident insurance with a CHF 0 deductible. You only need to add accident insurance to your health insurance policy once your unemployment benefits expire.
It's for a non-working (as yet) Mrs gbn...
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