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Old 25.02.2018, 23:47
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Deductible of accident insurance

The policy holder is unemployed. He bought accident insurance from his health insurance company by himself. His health insurance has the deductible of CHF2500.

Is the deductible of accident insurance the same as that of health insurance?

Many thanks.
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Old 26.02.2018, 00:53
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Re: Deductible of accident insurance

Yes. Keep in mind though that your accident insurance is paid for by the employer if you work some minimum amount of weekly hours (I think 8 weekly hours or more).

If paid for by the health insurance under KVG, which requires that you do have the supplemental accident insurance active, you pay 10% up to 700 CHF that exceed the deductible. So the maximum you may have to pay is "deductible plus 700" in any calendar year. Additionally, I think you will have to pay that twice if the treatment occurs in two different calendar years.

Last edited by Urs Max; 26.02.2018 at 01:04.
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Old 26.02.2018, 08:03
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Re: Deductible of accident insurance

If the unemployed person is on the RAV, s/he should check with them because they pay it during the period of unemployment. I say ‘check’ because I’m going back 3–4 years when I was on the RAV and it applied (in Zurich) then.
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