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Old 17.11.2019, 15:10
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Fired after accident: who will cover the costs?

Hello all,
I'd like to know if someone can advise on this.

A little while ago I had an accident on my way back from work.
I did some physiotherapy and once finished the treatments cycle, the doctor advised surgery to be the best option, and an operation is scheduled for next month + 5-6 months of physio thereafter.
Now I have been made redundant.
Will I be still covered by the work incident accident or not?
I am/was a frontalier.

Any advice/info will be appreciated!

Thanks in advance!
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Old 17.11.2019, 16:11
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Re: Fired after accident: who will cover the costs?

That insurance company will cover you for life, for anything to do with that particular accident.
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Old 17.11.2019, 17:55
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That insurance company will cover you for life, for anything to do with that particular accident.
Thanks for your quick reply

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That insurance company will cover you for life, for anything to do with that particular accident.
Actually the insurance told me I'm covered only up to 31 days after the end of the employment

Last edited by 3Wishes; 25.11.2019 at 21:49. Reason: merging consecutive replies
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Old 25.11.2019, 20:34
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Re: Fired after accident: who will cover the costs?

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Actually the insurance told me I'm covered only up to 31 days after the end of the employment
Yes but the accident as recorded and known it was during employment it shouldn't matter. They mean after 31 days anything new won't be covered, pre-existing ones will.

Let us know what they said.
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Old 25.11.2019, 21:11
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Re: Fired after accident: who will cover the costs?

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Actually the insurance told me I'm covered only up to 31 days after the end of the employment
Perhaps for salary, but not for medical expenses.

Tom
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Old 25.11.2019, 21:13
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Re: Fired after accident: who will cover the costs?

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Perhaps for salary, but not for medical expenses.

Tom
No, actually she’s right (if she means accident insurance) Your accident coverage does continue for the month after you leave the job. Then you have to arrange your own thereafter if you aren’t going into a new job.
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Old 25.11.2019, 21:14
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Re: Fired after accident: who will cover the costs?

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Actually the insurance told me I'm covered only up to 31 days after the end of the employment
For new accidents. They still have to cover you for the ones you have already had whilst insured by them.
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Old 25.11.2019, 21:58
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Re: Fired after accident: who will cover the costs?

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That insurance company will cover you for life, for anything to do with that particular accident.
Is that true regardless of employer? For example, many NGOs and UN orgs do not have traditional Swiss insurances and instead have an international policy that covers both illness and accident. Probably embassies too. A few random, non-Swiss insurances found with google search. It's not clear that accident is covered forever and ever amen even if you're no longer employed with them.

https://www.ilo.org/dyn/shif/website...lang=en&p_id=1
https://www.unog.ch/unog/website/uno...%2C2#_Section1

I have no idea if OP works for a NGO or the UN, but since the location is Geneva it's worth considering/looking into.
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Old 03.12.2019, 23:14
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Re: Fired after accident: who will cover the costs?

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Thanks for your quick reply


Actually the insurance told me I'm covered only up to 31 days after the end of the employment
Regarding accident insurance, this means that you are insured for new events for 31 days after termination of your employment relationship. For the current event, however, you will continue to receive benefits (loss of salary and reimbursement medical bills) until you recover and are able to work again.

Any insurance stating the contrary is lying to you.
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Old 04.12.2019, 10:23
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Re: Fired after accident: who will cover the costs?

Not an expert in such matters but I think you'll be covered by the Employer insurance and UVG (Social Accident Insurance)
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Old 04.12.2019, 14:52
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Re: Fired after accident: who will cover the costs?

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Regarding accident insurance, this means that you are insured for new events for 31 days after termination of your employment relationship. For the current event, however, you will continue to receive benefits (loss of salary and reimbursement medical bills) until you recover and are able to work again.

Any insurance stating the contrary is lying to you.
I also would like to add that to avoid remaining without insurance coverage you can either
- seeking unemployment benefits (unemployed persons are covered for the accident insurance by Suva).
- ask for an extension of the coverage for 6 months (180 days) ex art. 3.3 UVG.
- add the accidental insurance coverage to your health insurance (Krankenkasse)

Moreover, some collective labour agreements (GAV in German) do not allow workers to be fired as a result of an accident. I would look into that depending on your previous employment contract.
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