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Old 20.10.2020, 13:06
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Supplemental accident insurance and double coverage

Hi all,
I have accident insurance through my employer, but I don't understand what happens in case I take out supplemental insurance which partly covers the same as my "basic" accident insurance.

While I imagine I could avoid the double coverage when I first sign up for supplemental insurance (by selecting proper coverage), the problem might still come up in the future if I switch jobs and the new accident insurance has a different scope.

Is this an issue at all?
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Old 20.10.2020, 13:23
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Re: Supplemental accident insurance and double coverage

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Hi all,
I have accident insurance through my employer, but I don't understand what happens in case I take out supplemental insurance which partly covers the same as my "basic" accident insurance.

While I imagine I could avoid the double coverage when I first sign up for supplemental insurance (by selecting proper coverage), the problem might still come up in the future if I switch jobs and the new accident insurance has a different scope.

Is this an issue at all?
No. The supplemental insurance does not really cover the same things as the accident insurance, almost by definition, so there will be no "double coverage".
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Old 20.10.2020, 13:43
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No. The supplemental insurance does not really cover the same things as the accident insurance, almost by definition, so there will be no "double coverage".
I suspected this, but then I am confused since in one of my past jobs I was told that their accident insurance coverage was "very good". I am aware that basic health insurance is equivalent across all providers in terms of coverage, but is it the same for accident insurance? My understanding is that it isn't.

Also, to avoid confusion as to what I'm talking about: when selecting supplemental insurance, I am asked whether I also want the equivalent coverage for accidents.

Last edited by Ace1; 20.10.2020 at 13:47. Reason: Merging successive posts
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Old 20.10.2020, 13:49
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Re: Supplemental accident insurance and double coverage

If you don't work at least 8 hours for an employer, you have to pay the accident insurance coverage for professional and non-professional accidents.

If your employer already pays it, some supplemental accident insurance is aimed at covering rescue costs. The basic accident insurance caps emergency rescue reimbursements at 5K CHF (https://www.swissinfo.ch/eng/health-...ides-/44041260).

Once I heard the same about the accident insurance at my employer: very good. What I understood is that 2 years of salary at 100% are guaranteed after an accident. Then you need to look for other insurance/social help schemes. I think other insurance packages insure less salary, and therefore cheaper.

But, what insurance company and what package? That's the only way to know what it covers.
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Old 20.10.2020, 13:56
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Re: Supplemental accident insurance and double coverage

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Also, to avoid confusion as to what I'm talking about: when selecting supplemental insurance, I am asked whether I also want the equivalent coverage for accidents.
In the event of an accident, just like with a health issue, all the supplemental coverage would offer would be such niceties as a private room or better catering options. Maybe you'd also have more freedom to decamp to a different hospital, that sort of thing. It can also cover you for non-approved treatments, i.e. things that the medical professions doesn't think are effective.

Any required treatments that the accident insurance doesn't cover, i.e. it's not counted as caused by an accident, will then be covered instead by your health insurance. The supplemental cover will make no difference to this at all.
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Old 20.10.2020, 14:21
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Re: Supplemental accident insurance and double coverage

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I suspected this, but then I am confused since in one of my past jobs I was told that their accident insurance coverage was "very good". I am aware that basic health insurance is equivalent across all providers in terms of coverage, but is it the same for accident insurance? My understanding is that it isn't.

Also, to avoid confusion as to what I'm talking about: when selecting supplemental insurance, I am asked whether I also want the equivalent coverage for accidents.
Accident insurance has to cover the same things by law.
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Old 20.10.2020, 14:49
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Re: Supplemental accident insurance and double coverage

When I was employed the employer's accident cover was described as "very good" and there were two extra deductions for premiums for it however I can't find the exact information now. As I remember it included things like better salary insurance, disability insurance and better treatment conditions like a private room, access to senior doctors etc. So, if you have this through your employer you don't need supplemtal personal insurance. If you don't then it's something you could consider.
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Old 20.10.2020, 21:35
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Re: Supplemental accident insurance and double coverage

The employer needs to take out basic (collective) accident insurance but can also take out additional (collective) accident insurance.

The link explains what is covered by the various types (although for the additional insurance your mileage will vary according to the policy/insurer): https://www.generali.ch/en/geschaeft...llversicherung

Generally, there would be no double coverage with your own personal health insurance, since you would untick the box "accident coverage" if you are already insured against accidents by your employer.

One could give some thought whether to keep "accident coverage" if you have high coverage on your supplemental health insurance (i.e. private room) and your employer only has basic coverage. Not sure how the insurers would split the costs in that case. But you should keep in mind that if you have an accident under your health insurance, you have deductible, whereas there is no deductible for the employer accident insurance.
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