I wish to update my accident coverage within my health insurance
Are you starting or ending a professional activity? This change of situation will have an impact on the risks covered by the basic insurance.
If you are entering the workforce for the first time or switching to employee status, you may suspend the accident risk provided you are fully covered by your employer's insurance on a compulsory basis. The suspension is effective at the earliest on the first day of the month following the request (Art. 11 of the Ordinance on Health Insurance - OAMal/KVV).
If your employment ends, your accident coverage within the meaning of LAA/UVG will expire 31 days after the last half salary (Art. 3, para. 2 LAA/UVG).
After 31 days:
- you receive a daily allowance benefit from the unemployment insurance fund and are therefore automatically insured against non-occupational accidents with SUVA;
- you do not receive unemployment benefit or you become self-employed. In this case, you must take out insurance by signing up to extended accident insurance or reinstate the accident risk in your basic health insurance.
As soon as you reach retirement age (AVS/AHV), the accident risk is automatically reinstated on the first day of the month following your birthday. However, if you continue to work after this date and remain covered, as a result, under the compulsory LAA/UVG insurance, please inform us rapidly so that we can adjust your insurance contract accordingly.