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  #21  
Old 23.07.2017, 21:10
Medea Fleecestealer's Avatar
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Re: Accident at work

Health insurance is mandatory for residents of Switzerland whether working or not. If you have a resident's permit then you must take out Swiss health insurance.
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  #22  
Old 23.07.2017, 21:48
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Re: Accident at work

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Health insurance is mandatory for residents of Switzerland whether working or not. If you have a resident's permit then you must take out Swiss health insurance.
Totally irrelevant to the OP who had an accident at work, which would never be covered by health insurance even with non work accident cover included in health insurance.
The kew words were ACCIDENT AT WORK.
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  #23  
Old 23.07.2017, 21:53
Medea Fleecestealer's Avatar
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Re: Accident at work

True, but he still needs health insurance in case he GETS SICK. Since he seems to have been here since 2014 and says he still doesn't have this it's rather important as well.
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Old 25.07.2017, 10:05
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Re: Accident at work

Medea Fleecestealer*..yes, I was here for one year only 2014-2015 and I had a health insurance but after that I moved to England.
This year I came to Switzerland only to work in summer camp.
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Old 13.09.2017, 12:17
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Re: Accident at work

Hello everyone,

I just want to thank you all for your help and useful advices...insurance will pay knee surgery which will take place in December this year except for my travel costs , they will not cover that...but it's fine
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  #26  
Old 13.09.2017, 13:47
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Re: Accident at work

OP, I'm glad to hear this case is working as it should. Thanks for letting us know, and all the best for your op.

For others who may read this thread, I'd like to clarify the point about when accident insurance is obligatory:

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... I guess that accident insurance is included in our contract and its obligatory for employer to provide it for us. ...
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Correct, this applies to every lawfully employed employee regardless of contract duration as long as the minimum work hours per week (at least 8 hours I think but I'm not completely sure) are exceeded. As a consequence all costs will be paid for by the insurance that's paid for by your employer.
Every employer must insure EVERY employee properly for accidents. This is mandatory. Any employer who defaults on this can be held directly, personally responsible for covering all the costs of an employee who has an accident. That can be a lot. When starting any new job, a new employee should check that their employer has taken out the proper insurance, and obtain all the paperwork to prove it. This is particularly important with small employers, such as small businesses or private homes, where the employer may not, in fact, actually have the funds to cover the accident's costs.
  • If the employee works less than an average of 8 hours per week,
    then the employer must insure him/her ONLY for accidents at work, and on the direct journey between home and work, and work and home (no longer direct as soon as the employee deviates from off the route to/from work to pop into Migros to buy a loaf of bread). Providing this accident insurance is obligatory for all employers, and this cover is particularly important for employees such as cleaners and part-time kitchen or bar staff, who very often work for only a few hours at a time, for each of their several employers, doing work that lends itself to accidents.
    This insurance is known in German as BU, which stands for Berufsunfall, meaning work accident.

  • If the employee works on average 8 or more hours per week,
    then the employer must insure him/her for ALL accidents, whether at work, on the journey to or from work, and even during the employee's free-time.
    This insurance is known in German as NBU, stands for Nicht-Berufsunfall, meaning that goes beyond BU to include accidents which were not sustained at work.
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