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Old 25.08.2020, 18:05
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Accident on RAV- SUVA benefits query

So as if 2020 wasn't bad enough in closing my company down and introducing me to the delightful world of RAV for the first time in my life - I recently had a pretty bad accident falling down some stairs and was hospitalised with quite significant head and back injuries as a result. Obviously my biggest concern (other than wrapping my head around rehabilitation) in these troubled times is to get straight what this might mean for me financially without getting into it too much with my currently overworked and understandably underinterested RAV consultant. I'm trying to work through the SUVA online content currently to get an idea but it's not exactly RAV situation specific and so I just want to get a few particular queries nailed - If you have specific concrete knowledge (rather than guesswork which I can do myself), I'd be very grateful if you can share

1. I found out that the RAV accident insurance covers I think ALL the medical expenses which is a relief actually because I didn't know that at the time in the hospital so was pretty stressed - unless you know differently?

2. I think the insurance pays a daily allowance to cover any days that you cannot be available for work because of the accident - looks like only 80% though - is this true? And if so is it 80% of the RAV payment that you were receiving (which for me was 70% of the last insured salary of course) or is it 80% of the last employment insured salary that your RAV payment was based on? I'm guessing the former so preparing myself for yet another financial hit. Grateful to be covered for anything really but I just want to be clear what.

3. Are the insurance allowance days deducted from your overall RAV days entitlement or are the RAV days entitlement 'frozen' for the period of the insurance paid allowance and then deductions start again when you are well and can work?

Thanks in advance.
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Old 25.08.2020, 18:07
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Re: Accident on RAV- SUVA benefits query

Oh and of course I have already contacted RAV etc and asked for the forms needed to so all is fine with the process.
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Old 25.08.2020, 18:31
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Re: Accident on RAV- SUVA benefits query

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So as if 2020 wasn't bad enough in closing my company down and introducing me to the delightful world of RAV for the first time in my life - I recently had a pretty bad accident falling down some stairs and was hospitalised with quite significant head and back injuries as a result. Obviously my biggest concern (other than wrapping my head around rehabilitation) in these troubled times is to get straight what this might mean for me financially without getting into it too much with my currently overworked and understandably underinterested RAV consultant. I'm trying to work through the SUVA online content currently to get an idea but it's not exactly RAV situation specific and so I just want to get a few particular queries nailed - If you have specific concrete knowledge (rather than guesswork which I can do myself), I'd be very grateful if you can share

1. I found out that the RAV accident insurance covers I think ALL the medical expenses which is a relief actually because I didn't know that at the time in the hospital so was pretty stressed - unless you know differently?

2. I think the insurance pays a daily allowance to cover any days that you cannot be available for work because of the accident - looks like only 80% though - is this true? And if so is it 80% of the RAV payment that you were receiving (which for me was 70% of the last insured salary of course) or is it 80% of the last employment insured salary that your RAV payment was based on? I'm guessing the former so preparing myself for yet another financial hit. Grateful to be covered for anything really but I just want to be clear what.

3. Are the insurance allowance days deducted from your overall RAV days entitlement or are the RAV days entitlement 'frozen' for the period of the insurance paid allowance and then deductions start again when you are well and can work?

Thanks in advance.
I believe it's max of 80% of insured salary same as RAV
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Old 25.08.2020, 19:09
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Re: Accident on RAV- SUVA benefits query

Attached is a translation of p. 9 of the SUVA brochure called "Arbeitslos und Unfall" (Unemployed and Accidents). It should contain answers to the OP's questions 1. and 2.

RAV continues its coverage of the RAV job seeker for three days including the day of the accident. Then RAV coverage is suspended and SUVA takes over. RAV again provides financial support when the RAV job seeker is healed or partially healed. The RAV qualified period (Rahmenfrist), however, is not suspended and continues to run during the accident coverage.

Get better soon!
Attached Files
File Type: pdf Suva Unemployment and Accident - Suva benefits p9.pdf (399.6 KB, 39 views)
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Old 25.08.2020, 19:15
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Re: Accident on RAV- SUVA benefits query

Sorry to hear the bad news. Hope it gets better for you soon...

It sounds like you have already got yourself sorted on the insurance front - with SUVA, that's (I think the largest accident insurer), so you are in good hands :-)

For your information, in D-speaking parts, it's known as "NBU", or "Nichtsberufsunfall", which means accident insurance when you are not working. Once you get your statement (Abrechnung) from the RAV, if you see "NBU", then it means you are paying towards the accident insurance.

If it can be useful, check-out this link:
https://www.koordination.ch/de/onlin...ch/uvg/bu-nbu/

You mentioned that you had a company. Presumably you had accident insurance there. If you folded your company, but the insurance policies are still running, then you could maybe call-up your insurance agent, should you see any RAV / SUVA issues. I can't imagine that, but best to make a few quick calls, and then report back here so others can learn...

Good luck :-)
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Old 25.08.2020, 20:38
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Attached is a translation of p. 9 of the SUVA brochure called "Arbeitslos und Unfall" (Unemployed and Accidents). It should contain answers to the OP's questions 1. and 2.

RAV continues its coverage of the RAV job seeker for three days including the day of the accident. Then RAV coverage is suspended and SUVA takes over. RAV again provides financial support when the RAV job seeker is healed or partially healed. The RAV qualified period (Rahmenfrist), however, is not suspended and continues to run during the accident coverage.

Get better soon!
Thanks so much for taking the time to reply on this. That information is really useful. Much appreciated

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Sorry to hear the bad news. Hope it gets better for you soon...

It sounds like you have already got yourself sorted on the insurance front - with SUVA, that's (I think the largest accident insurer), so you are in good hands :-)

For your information, in D-speaking parts, it's known as "NBU", or "Nichtsberufsunfall", which means accident insurance when you are not working. Once you get your statement (Abrechnung) from the RAV, if you see "NBU", then it means you are paying towards the accident insurance.

If it can be useful, check-out this link:
https://www.koordination.ch/de/onlin...ch/uvg/bu-nbu/

You mentioned that you had a company. Presumably you had accident insurance there. If you folded your company, but the insurance policies are still running, then you could maybe call-up your insurance agent, should you see any RAV / SUVA issues. I can't imagine that, but best to make a few quick calls, and then report back here so others can learn...

Good luck :-)
Great, thanks for this info. To clarify it wasn't my company but the company I worked for that folded but I will certainly look to come back and share anything useful I find out along the way. Thanks again.

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Attached is a translation of p. 9 of the SUVA brochure called "Arbeitslos und Unfall" (Unemployed and Accidents). It should contain answers to the OP's questions 1. and 2.

RAV continues its coverage of the RAV job seeker for three days including the day of the accident. Then RAV coverage is suspended and SUVA takes over. RAV again provides financial support when the RAV job seeker is healed or partially healed. The RAV qualified period (Rahmenfrist), however, is not suspended and continues to run during the accident coverage.

Get better soon!
So just one clarification question if you don't mind - you may or may not have a view on this. I'm looking at the distinction between the number of days allowance remaining and the actual Rahmenfrist period. So the two year Rahmenfrist window for example stays the same as it is, but if you have say 100 days of allowance remaining at the start of the accident unfit to work period-the days allowances that are paid from the accident insurance are not also deducted from that 100 days remaining RAV allowances, but rather that is frozen at the 100 days and these allowances only come back into play once the insurance daily allowances cease because you are fit work work again. Is that also your assumption from what you've read so far? Thanks!

Last edited by 3Wishes; 25.08.2020 at 21:42. Reason: merging consecutive replies
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Old 25.08.2020, 21:45
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Re: Accident on RAV- SUVA benefits query

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So just one clarification question if you don't mind - you may or may not have a view on this. I'm looking at the distinction between the number of days allowance remaining and the actual Rahmenfrist period. So the two year Rahmenfrist window for example stays the same as it is, but if you have say 100 days of allowance remaining at the start of the accident unfit to work period-the days allowances that are paid from the accident insurance are not also deducted from that 100 days remaining RAV allowances, but rather that is frozen at the 100 days and these allowances only come back into play once the insurance daily allowances cease because you are fit work work again. Is that also your assumption from what you've read so far? Thanks!

Yes. This linked document indicates under "Leistungen und Instrumente" p. 40 (translated):

"Suva pays out daily allowances from the third day after an accident. The benefits of the ALV are suspended from this date. It should be noted here that the ALV daily benefits are suspended during the period of incapacity to work due to the accident. The cumulative daily benefits are thus extended by the period of incapacity, subject to the end of the qualified period (Rahmenfrist)."

https://www.ecoplan.ch/download/spib_sb_de.pdf
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Old 25.08.2020, 21:46
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Re: Accident on RAV- SUVA benefits query

Got it, thanks again!
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