Taking your first steps in the working world? Good luck! Here you’ll find out how changing from school to employment affects your health insurance.
As a school pupil or university student you have to insure yourself against accidents. If you’re employed for at least 8 hours a week with the same employer, then you’re covered by your employer for accidents. This is specified by the Swiss Federal Statutory Accident Insurance Act (UVG/LAA).
Exclude accident cover
As soon as you’re employed under these conditions, you can exclude accident cover from your basic insurance. Simply give us a call or make the change yourself in the customer portal.
Recommendation for supplementary insurance
Find out what level of accident insurance is provided by your employer. It may be that you have general cover. This means that in the event of hospitalisation, for example, you’ll be covered for a multi-bed room in the general ward. If you previously had semiprivate or private accident insurance, we recommend that you still include accident insurance in your supplementary insurance.
You have to apply in writing to exclude accident cover from your supplementary insurance. If you want to include accident cover again at a later date, you’ll have to undergo another risk assessment.
Many companies offer their employees group health insurance. These offers often involve premium discounts and special benefit packages.
Find out whether the company you work for offers group health insurance. But remember to check the benefits carefully. If you have better cover with your current health insurance, it may make sense to keep individual supplementary insurance plans.