Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 24.12.2019, 09:50
Member
 
Join Date: Mar 2018
Location: Geneva
Posts: 221
Groaned at 53 Times in 28 Posts
Thanked 62 Times in 40 Posts
neutralname has earned the respect of manyneutralname has earned the respect of manyneutralname has earned the respect of many
fell on the ground and hurt my knee in Singapore, is the medical fee covered?

Hi all,

I am currently travelling in Singapore. I just fell on the ground and hurt my left knee quite badly and I struggle to walk as the pain stops me from bending it, I don't know how serious it is.

I am with CSS for health insurance and the website says "Cover for costs incurred in emergencies for outpatient or inpatient treatment in the general ward up to a maximum of twice the tariff of the canton of residence in Switzerland."

1. Is this considered as an "emergency"? if so I woud like to see a doctor here.

2. Or is this covered by accident insurance? the problem is my last internship contract in CH ended and my next one will start on Janurary, I think legally I don't have an employer today between the 2 internship durations.

Would be grateful to hear from you
Reply With Quote
  #2  
Old 24.12.2019, 09:56
Guest
 
Posts: n/a
Re: fell on the ground and hurt my knee in Singapore, is the medical fee covered?

Quote:
View Post
Hi all,

I am currently travelling in Singapore. I just fell on the ground and hurt my left knee quite badly and I struggle to walk as the pain stops me from bending it, I don't know how serious it is.

I am with CSS for health insurance and the website says "Cover for costs incurred in emergencies for outpatient or inpatient treatment in the general ward up to a maximum of twice the tariff of the canton of residence in Switzerland."

1. Is this considered as an "emergency"? if so I woud like to see a doctor here.

2. Or is this covered by accident insurance? the problem is my last internship contract in CH ended and my next one will start on Janurary, I think legally I don't have an employer today between the 2 internship durations.

Would be grateful to hear from you

As you fell, it is clearly not health related but accident related and will be treated a such.


You have accident assurance up to 30 days after the last day of paid work in order for you to arrange your own accident assurance, so depending when your last day of work was will answer your question.


You will almost certainly be asked to pay up front in Singapore and claim back here from your assurance.



Go get a packet of frozen peas or a bag of ice cubes and put on your knee, you may find this works sufficiently that the knock is not so bad after all
Reply With Quote
The following 4 users would like to thank for this useful post:
  #3  
Old 24.12.2019, 10:15
Member
 
Join Date: Mar 2018
Location: Geneva
Posts: 221
Groaned at 53 Times in 28 Posts
Thanked 62 Times in 40 Posts
neutralname has earned the respect of manyneutralname has earned the respect of manyneutralname has earned the respect of many
Re: fell on the ground and hurt my knee in Singapore, is the medical fee covered?

Thanks a lot, my fall was quite bad, last time I fell this badly I was still a kid...Yes I am within 30 days between INTERNSHIPS. I checked my contract and the only 2 provisions for accident insurance are below, I don't have problem to pay up front in Singapore, if it can be reimbursed by CH insurance later...

1. The compulsory social security contributions and, if an Insurance obligation applies, the premiums for the non-occupational accident insurance are deducted from the hourly wage (gross). Additional deductions are made to the extent that they are legally required or have been agreed upon with the employee. Provided that the relevant conditions are fulfilled, the employee is Insured with the PKE Pension Foundation Energy, in accordance
with PKE s statutes and regulations.

2.The employee is insured with SU A agains workplace accidents within the framework of the obligatory accident insurance. Employees who work at least 8 hours per week are insured against non-workplace accidents. In the event of incapacity to work, employees are entitled to the daily allowance from SUVA.


Quote:
As you fell, it is clearly not health related but accident related and will be treated a such.


You have accident assurance up to 30 days after the last day of paid work in order for you to arrange your own accident assurance, so depending when your last day of work was will answer your question.


You will almost certainly be asked to pay up front in Singapore and claim back here from your assurance.



Go get a packet of frozen peas or a bag of ice cubes and put on your knee, you may find this works sufficiently that the knock is not so bad after all
Reply With Quote
  #4  
Old 24.12.2019, 10:45
Guest
 
Posts: n/a
Re: fell on the ground and hurt my knee in Singapore, is the medical fee covered?

Try a bottle of whiskey and a day in bed, far cheaper than a doctor
Reply With Quote
The following 3 users would like to thank for this useful post:
  #5  
Old 24.12.2019, 10:59
Member
 
Join Date: Jan 2012
Location: Lausanne
Posts: 175
Groaned at 3 Times in 3 Posts
Thanked 183 Times in 88 Posts
hans1 has made some interesting contributions
Re: fell on the ground and hurt my knee in Singapore, is the medical fee covered?

In SG there's basically a doctor's cabinet on every street corner, easy to hop in and have it examined on the spot. Normally a consult is not too expensive, i.e. less than chf 100.
Reply With Quote
The following 3 users would like to thank hans1 for this useful post:
  #6  
Old 24.12.2019, 11:49
Forum Veteran
 
Join Date: Jan 2016
Location: Lugano
Posts: 1,304
Groaned at 22 Times in 18 Posts
Thanked 1,578 Times in 723 Posts
LuganoPirate has a reputation beyond reputeLuganoPirate has a reputation beyond reputeLuganoPirate has a reputation beyond reputeLuganoPirate has a reputation beyond repute
Re: fell on the ground and hurt my knee in Singapore, is the medical fee covered?

I also hurt my knee quite badly while crossing a river and slipping on a rock. I went to a physio who also looks after one of the ice hockey teams here who told me there's nothing much that can be done and the pain will subside and go completely in about 6 months. He was right.

Mrs. LP contracted some horrible skin disease (I forget the name) from a pool in Africa near Addo Elephant park which manifested itself a few days later in Cape Town. She saw the hotel doctor, just managed to avoid going to hospital but was serious enough he visited her twice a day and forbade her to fly due to swelling and the medicines she was on. Great thing (for me at least ;-) ) was we had to stay 10 extra days and the whole treatment and hotel stay was picked up by the Swiss health insurance.
Reply With Quote
The following 2 users would like to thank LuganoPirate for this useful post:
  #7  
Old 24.12.2019, 11:54
kri's Avatar
kri kri is offline
Forum Legend
 
Join Date: Nov 2007
Location: Switzerland
Posts: 2,650
Groaned at 55 Times in 41 Posts
Thanked 2,600 Times in 1,269 Posts
kri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond repute
Re: fell on the ground and hurt my knee in Singapore, is the medical fee covered?

Hi!

Outpatient costs are pretty cheap here compared to Switzerland - go to a Raffles Clinic (plenty) and they can help. The main one in Raffles hospital is open 24 hours.

PM if you need help, am in Singapore.

K

Edits:
1) Whether you are covered or not depends on your policy and travel insurance if any
2) Beware that they are high on intervention here and may suggest MRI etc. So insist for what you want (i.e. xray but not MRI etc).

Last edited by kri; 24.12.2019 at 12:36. Reason: Added details
Reply With Quote
The following 4 users would like to thank kri for this useful post:
  #8  
Old 24.12.2019, 16:22
NotAllThere's Avatar
Modulo 2
 
Join Date: Oct 2008
Location: Baselland
Posts: 15,400
Groaned at 322 Times in 276 Posts
Thanked 23,993 Times in 9,762 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: fell on the ground and hurt my knee in Singapore, is the medical fee covered?

Quote:
Try a bottle of whiskey ibuprofen and a day in bed, far cheaper than a doctor
Fixed that for you.
Reply With Quote
  #9  
Old 25.12.2019, 00:13
Junior Member
 
Join Date: Dec 2019
Location: Luzern
Posts: 31
Groaned at 6 Times in 3 Posts
Thanked 25 Times in 12 Posts
Adidas has no particular reputation at present
Re: fell on the ground and hurt my knee in Singapore, is the medical fee covered?

Quote:
View Post
Thanks a lot, my fall was quite bad, last time I fell this badly I was still a kid...Yes I am within 30 days between INTERNSHIPS. I checked my contract and the only 2 provisions for accident insurance are below, I don't have problem to pay up front in Singapore, if it can be reimbursed by CH insurance later...

1. The compulsory social security contributions and, if an Insurance obligation applies, the premiums for the non-occupational accident insurance are deducted from the hourly wage (gross). Additional deductions are made to the extent that they are legally required or have been agreed upon with the employee. Provided that the relevant conditions are fulfilled, the employee is Insured with the PKE Pension Foundation Energy, in accordance
with PKE s statutes and regulations.

2.The employee is insured with SU A agains workplace accidents within the framework of the obligatory accident insurance. Employees who work at least 8 hours per week are insured against non-workplace accidents. In the event of incapacity to work, employees are entitled to the daily allowance from SUVA.
As said before per Swiss law the mandatory accident insurance, is it Suva or others, expires 31 days after the last day of paid work (Art. 3 Abs. 2 UVG). The insurance cover is also valid abroad. Medical expenses are reimbursed up to twice the cost in Switzerland (Art. 17 UVV).

Suva has an assistance service that you can contact in case of accidents abroad. Visit www.suva.ch/assistance or call the number +41 848 724 144. Otherwise, call your previous job which will notify the relevant insurance company of the accident.
Reply With Quote
This user would like to thank Adidas for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
I would like to select C-section without exact medical reasons. Will it be covered? Greenlady Insurance 69 18.01.2018 16:36
Immigration from UK fell 50% from 2012 yacek General off-topic 5 20.11.2014 09:31
Is reconstructive surgery covered in Medical Insurance Raj2014 Family matters/health 2 05.11.2014 09:17
Americans building a Mosque on ground zero [GROUND ZERO MOSQUE] OtherOne International affairs/politics 80 27.08.2010 14:29
Maybe a stowaway fell out of aircraft? Avenches Daily life 6 06.05.2010 16:28


All times are GMT +2. The time now is 15:47.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0