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Old 21.07.2017, 11:31
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Accident at work

Hello everybody,

Recently I had an injury at work place, on duty, I twisted my knee ACL (anterior cruciate ligament torned) when I was playing football.
I had a couple doctor appointments , everything was confirmed and currently I am on 50% work.
Its also been reported to the AXA insurance, filled out their form.
Its only temporary employment, one month and half.
So, my question would be, what is next? Who is going to pay all these appointments + MRI. Its never happend to me so its quite unclear what should I do, human resource lady wasnt much of help.

Many thanks
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Old 21.07.2017, 11:33
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Re: Accident at work

You play football at work?

When I had an accident at work, I informed HR and the insurance and all bills were sent directly to the insurance company by the doctor/hospital etc. HR should be able to tell you what the accident insurance at your work place looks like
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Old 21.07.2017, 11:34
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Re: Accident at work

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Hello everybody,

Recently I had an injury at work place, on duty, I twisted my knee ACL (anterior cruciate ligament torned) when I was playing football.
I had a couple doctor appointments , everything was confirmed and currently I am on 50% work.
Its also been reported to the AXA insurance, filled out their form.
Its only temporary employment, one month and half.
So, my question would be, what is next? Who is going to pay all these appointments + MRI. Its never happend to me so its quite unclear what should I do, human resource lady wasnt much of help.

Many thanks
The accident insurance that covered you on the date of the accident will pay.
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Old 21.07.2017, 11:36
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Re: Accident at work

Temporary or full-time work in CH means your employer has your accident insurance covered.
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Old 21.07.2017, 11:39
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Re: Accident at work

*Roegner...Yes, its part of my job...sport activities.
So Its up to human resource to deal with it...the only thing is that I filled out the form sent by insurance company
and what does it mean that I am on 50% of work, they mentioned 80% of 50% what does it mean exactly?
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Old 21.07.2017, 11:41
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Re: Accident at work

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*Roegner...Yes, its part of my job...sport activities.
So Its up to human resource to deal with it...the only thing is that I filled out the form sent by insurance company
and what does it mean that I am on 50% of work, they mentioned 80% of 50% what does it mean exactly?
50% means working half a day rather than a full day.
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Old 21.07.2017, 11:46
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Re: Accident at work

I understand that but what about these 80%?
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Old 21.07.2017, 12:04
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Re: Accident at work

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I understand that but what about these 80%?
what about asking your HR?
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Old 21.07.2017, 12:06
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Re: Accident at work

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I understand that but what about these 80%?
You could work 4/5 of every day, 2 days half a day or 1 day off a week.
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Old 21.07.2017, 12:33
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Re: Accident at work

it could also mean, and this is quite common though we haven't seen your particular sick line, that for a period of time you will be at 50% after that you will be required to do a further period at 80% before being allowed back to full 100%
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Old 21.07.2017, 12:38
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Re: Accident at work

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I understand that but what about these 80%?
The employer gets 80% of what he pays to you from insurance (the other 20% he usually covers himself).
You working 50% is your 100% pay.
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Old 22.07.2017, 17:07
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Re: Accident at work

Yes...My timetable has changed since injury, I am on duty but with reduced work, some work which doesn't involve lot of running around, sports activities, hiking, excursions, etc.
I just hope that they will pay me even I am not on duty 100%...I believe I should get paid half of the salary by the end of contract
Thank you, everyone, for answers and support
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Old 22.07.2017, 17:37
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Re: Accident at work

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Yes...My timetable has changed since injury, I am on duty but with reduced work, some work which doesn't involve lot of running around, sports activities, hiking, excursions, etc.
I just hope that they will pay me even I am not on duty 100%...I believe I should get paid half of the salary by the end of contract
Thank you, everyone, for answers and support
Wish you a good recovery.

When I had a multiple break in my leg, my work insurance - obligatory from employer in CH - dealt problem-free with all payments.

You will have received medical certificate which states to which extent you are able to work.

Do you have particular exclusions. Usually the prescribing medical doctor will have taken this into account?
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Old 22.07.2017, 20:03
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Re: Accident at work

Your HR department will be able to put you in contact with the insurer, or the broker / administrator if these processes are outsourced, or at least, give you a summary of the insured benefits.

Responsibility for the claim is usually the insured person's.

Your staff handbook should give some useful info.
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Old 22.07.2017, 20:38
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Re: Accident at work

All associated medical bills SHOULD be sent to your accident insurance - you will have to give the details of that whereever you go. But I suggest that you try to make sure of clarity, experience being some bills sent to ordinary health insurance and they then expect you to sort that out with the accident insurance. Better to avoid that if you can!
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Old 22.07.2017, 21:53
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Re: Accident at work

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Yes...My timetable has changed since injury, I am on duty but with reduced work, some work which doesn't involve lot of running around, sports activities, hiking, excursions, etc.
I just hope that they will pay me even I am not on duty 100%...I believe I should get paid half of the salary by the end of contract
Thank you, everyone, for answers and support
You will probably get 80% of your salary unless your employer has extra coverage, in which case you'd get 100%.

You are also unlikely to ever see a bill as these are usually sent to whatever accident insurance your employer has, and as they're covered in full, they will be dealt with directly. You also do not have to pay any bills in advance (which is contrary to how most costs out of illnesses are handled via health insurance).

That being said, I have heard of cases where people did receive bills related to an accident, so in case that happens, make sure you send them on to the insurance asap, in this case Axa, and clarify with the insurance whether there's any expectation of you paying them upfront.
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Old 23.07.2017, 11:45
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Re: Accident at work

When the injury happened, my boss just gave me insurance number from axa to cover all the possible costs, appointments etc, I didn't ask anything, she didn't say anything...as we (employees) dont have any health insurance (because its only short term employment), I guess that accident insurance is included in our contract and its obligatory for employer to provide it for us. Honnestly I haven't seen any of bills and I really hope they are not going to charge me at the end.
Samaire13*..yes, most probably, as I heard them saying 80% of 50%..whtaever is that mean...i didn't want to go into details with HR but at least, she sent accident report to axa and I sent their questionnaire as well...so, now I have to wait and see what will happen...
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Old 23.07.2017, 17:17
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Re: Accident at work

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The accident insurance that covered you on the date of the accident will pay.
... to the extent it's required to, not a Rappen more. Accident insurance by your employer is regulated diferently than thru your health insurance. Comparing the two is like comparing a modern state-of-the-art BMW with a 40yr old Alfa Romeo.

AFAIK accident insurance by your health insurance inolves franchise plus 10% of everything beyond that up to an additional 700.- paid by you, just as if you'd fallen ill. To put it simply, it's basically a broadening of your health insurance to also include accidents, everything else stays the same.

Now, OP is insured by his employer so everything will be paid for by the insurance taken by his employer. But make no mistake, the two are far from equal.
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[..]I guess that accident insurance is included in our contract and its obligatory for employer to provide it for us.
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.
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Old 23.07.2017, 17:24
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Re: Accident at work

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... to the extent it's required to, not a Rappen more. Accident insurance by your employer is regulated diferently than thru your health insurance. Comparing the two is like comparing a modern state-of-the-art BMW with a 40yr old Alfa Romeo.

AFAIK accident insurance by your health insurance inolves franchise plus 10% of everything beyond that up to an additional 700.- paid by you, just as if you'd fallen ill. To put it simply, it's basically a broadening of your health insurance to also include accidents, everything else stays the same.

Now, OP is insured by his employer so everything will be paid for by the insurance taken by his employer. But make no mistake, the two are far from equal.
Correct this applies to every lawfully employed employee regardless of contract duration.
I know the difference & in both cases what I said was 100% correct, "The accident insurance that covered you on the date of the accident will pay."
I made no reference to accident insurance through health insurance as it's irrelevant as it's a work place accident, which would NEVER be covered by a health insurance accident add on as it only covers accidents outside work. Anyone who works 8 hours a week will have all accidents insured via work & the employee may have to pay 50% of the cost of said insurance. Salary loss is also covered.
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Old 23.07.2017, 17:27
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Re: Accident at work

OP no, 80% of your full-time (100%) salary.

Also, while not directly relevant to your current situation: you ALWAYS need health insurance when resident and/or working in Switzerland. It's mandatory and short-term employment doesn't exempt you from this. If you have insurance in your home country it may suffice for short stints here, but this needs to be checked.
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