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-   -   Unfallversichrung (accident insurance), who has to pay for this? (https://www.englishforum.ch/insurance/84821-unfallversichrung-accident-insurance-who-has-pay.html)

Angelina.zhang 31.05.2010 15:56

Unfallversichrung (accident insurance), who has to pay for this?
 
dear all,

my employer has been always deduct the unfallversichrung and the lohnausfall versichrung from my salary on a monthly basis, and today someone told me that its employer's obligation that they have to cover the premium of the 2 above mentioned insurance,

can anybody here confirm this? and would be great if you can tell from which law i can trace in order to talk to my company?

best regards
angelina

rpf 31.05.2010 16:52

Re: Unfallversichrung (accident insurance), who has to pay for this?
 
Accident insurance is a dual system: "Betriebsunfall" (accidents at work) and "Nichtbetriebsunfall" (accidents off work). The employer is obliged to pay the premiums for Betriebsunfall but NOT for Nichtbetriebsunfall. Decent employers pay both premiums. I don't know about "Lohnausfall" that should be part of the accident insurance. Some insurers don't pay salary compensation from day one of an accident. To cover these first unpaid days of an accident employers are free to insure that risk as well.

Lou 31.05.2010 17:16

Re: Unfallversichrung (accident insurance), who has to pay for this?
 
Are you a contractor? If so you get to pay these yourself.

01.06.2010 09:34

Re: Unfallversichrung (accident insurance), who has to pay for this?
 
Employers have to pay for accident insurance for loss of earnings from the 4th day and for the first 6 months, usually this means they pay into the SUVA scheme, whom pay out only 80% of your salary, and this government scheme SUVA does not pay any salary for the first 3 days.

You can take out private insurance to cover these 3 days but it is expensive. Your health insurance representative can give you some free and neutral advice, the health companies will also sell you accident insurance. Switzerland is the most over insured country in the world, so you might want to take a step back and think about simply putting some money away for a rainy day and save yourself the premiums.

If you stop work, or you are a housewife, you must get accident insurance, usually via the medical insurance.

The boring stuff is here http://www.admin.ch/ch/d/sr/8/832.20.de.pdf

Quote:

Originally Posted by Angelina.zhang (Post 828158)
dear all,

my employer has been always deduct the unfallversichrung and the lohnausfall versichrung from my salary on a monthly basis, and today someone told me that its employer's obligation that they have to cover the premium of the 2 above mentioned insurance,

can anybody here confirm this? and would be great if you can tell from which law i can trace in order to talk to my company?

best regards
angelina

You are probably paying the employer for the extra insurance covering the first 3 days. Best to ask your employer.

Angelina.zhang 01.06.2010 10:47

Re: Unfallversichrung (accident insurance), who has to pay for this?
 
thanks a lot for everyone´s help, so the working time accident insurance premium should be for employer´s account according to my understanding from above comments. the others i gonna cover it myself

Soleil 29.07.2010 13:49

Re: Unfallversichrung (accident insurance), who has to pay for this?
 
Hi everybody,
I did not want to open another thread because I have got a question relating to the same issue.
My employer pays the accident insurance and deducts a 100 chf per month for the non-work related part.
Can I waive this unwanted "service"?

I checked comparis.ch and it turned out that I would pay only 10 CHF extra with accident insurance.

thanks in advance!

Snoopy 29.07.2010 14:19

Re: Unfallversichrung (accident insurance), who has to pay for this?
 
Quote:

Originally Posted by Soleil (Post 891812)
My employer pays the accident insurance and deducts a 100 chf per month for the non-work related part.
Can I waive this unwanted "service"?

Are you sure you have it right? CHF 100 for non-work related accidents would be an extremely high premium. Are you sure there is not other stuff mixed in there with it?

Richard 29.07.2010 15:27

Re: Unfallversichrung (accident insurance), who has to pay for this?
 
Quote:

Originally Posted by Snoopy (Post 891867)
Are you sure you have it right? CHF 100 for non-work related accidents would be an extremely high premium. Are you sure there is not other stuff mixed in there with it?

Not really. Insurance for NBU is based on a salary capped at 10500 per month. The employee part is fixed at a maximum of 50% of the premium so working back the actual insurance premium must be 1.9% of salary which is within the realms. I believe mine is 1.65%

Soleil 29.07.2010 16:40

Re: Unfallversichrung (accident insurance), who has to pay for this?
 
Quote:

Originally Posted by Richard (Post 892008)
Not really. Insurance for NBU is based on a salary capped at 10500 per month. The employee part is fixed at a maximum of 50% of the premium so working back the actual insurance premium must be 1.9% of salary which is within the realms. I believe mine is 1.65%

Thank you very much for the replies. So you think it is lawful? Can I waive it?

Snoopy 29.07.2010 21:07

Re: Unfallversichrung (accident insurance), who has to pay for this?
 
Quote:

Originally Posted by Richard (Post 892008)
Not really. Insurance for NBU is based on a salary capped at 10500 per month. The employee part is fixed at a maximum of 50% of the premium so working back the actual insurance premium must be 1.9% of salary which is within the realms. I believe mine is 1.65%

OK, if I could give myself a red blobby for spouting BS I would. You are absolutely right Richard (no big surprise there). I got home and checked my paystub and I pay slightly more than CHF 100 also...so I guess it's not exorbitant at all. Apologies. :msnblush:

Richard 30.07.2010 00:15

Re: Unfallversichrung (accident insurance), who has to pay for this?
 
Quote:

Originally Posted by Soleil (Post 892130)
Thank you very much for the replies. So you think it is lawful? Can I waive it?

I believe it is lawful and I also believe that you are in a collective insurance scheme which basically means that your employer will be charged based on the AHV salary declared at the end of the last year. As he can be audited on what the AHV amount is and as the insurance companies get a copy of the audit then it is most unlikely that he will accept your unilateral rejection of the policy for which he will have to pay anyway.


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