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Old 10.01.2019, 16:46
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Accident insurance, hourly wage.

Hello everyone.

I have a work contract with an hourly wage. I am aware that by law my employer must provide both occupational and non-occupational accident insurance if I work more than 8 hours per week.

My question is, can my employer voluntarily cover me for non-occupational accidents even if I don't work up to 8 hours per week? I ask because I am generally unlikely to work 8 hours or more per week, but my employer has told me that I am indeed covered for non-occupational accidents. I want to double check that by law, this is something my employer can voluntarily provide, despite me potentially not working 8 hours per week.

In other words, could the insurer refuse to pay out in the event of any non-work accident, arguing that I did not work the minimum hours, or does the insurer not care, provided my employer has agreed to include this?

Thanks in advance.
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Old 10.01.2019, 16:53
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Re: Accident insurance, hourly wage.

Just get accident insurance via your health insurance.

Tom
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Old 10.01.2019, 17:17
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Re: Accident insurance, hourly wage.

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Hello everyone.

I have a work contract with an hourly wage. I am aware that by law my employer must provide both occupational and non-occupational accident insurance if I work more than 8 hours per week.

My question is, can my employer voluntarily cover me for non-occupational accidents even if I don't work up to 8 hours per week? I ask because I am generally unlikely to work 8 hours or more per week, but my employer has told me that I am indeed covered for non-occupational accidents. I want to double check that by law, this is something my employer can voluntarily provide, despite me potentially not working 8 hours per week.

In other words, could the insurer refuse to pay out in the event of any non-work accident, arguing that I did not work the minimum hours, or does the insurer not care, provided my employer has agreed to include this?

Thanks in advance.
If your employer has taken out accident insurance for you it covers for accidents outside of work, too. If in doubt, ask your employer for a copy of the policy. If you want to be doubly sure, as Tom says, take out your own. Accident insurance usually costs buttons each month.
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Old 10.01.2019, 17:39
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Re: Accident insurance, hourly wage.

Thanks. Although accident insurance as part of health insurance doesn't give nearly the same amount of cover as the one included with employment. Will look again into supplementary accident insurance, aside from the one offered as an add on to health insurance.
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Old 11.01.2019, 08:16
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Re: Accident insurance, hourly wage.

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Just get accident insurance via your health insurance.

Tom
That's not equivalent at all, accident insurance via the employer is superior by far. You pay the deductible/Franchise and 10% of the first 7k in costs covered by the insurance if you do it using mandtory health insurance, that alone should make it obvious. I seem to remember that what's covered by the insurance is also worse for the mandatory health insurance, but can't provide details so not sure if that's true.
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Old 11.01.2019, 11:28
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Re: Accident insurance, hourly wage.

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That's not equivalent at all, accident insurance via the employer is superior by far. You pay the deductible/Franchise and 10% of the first 7k in costs covered by the insurance if you do it using mandtory health insurance, that alone should make it obvious. I seem to remember that what's covered by the insurance is also worse for the mandatory health insurance, but can't provide details so not sure if that's true.
Loss of earnings due to an accident, is potentially the biggest & most important difference.
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Old 11.01.2019, 13:25
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Re: Accident insurance, hourly wage.

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Loss of earnings due to an accident, is potentially the biggest & most important difference.
I'd agree it's the most important aspect if you're employed but it's not really a difference as there's no salary to lose when you're unemployed.
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