interim accident insurance comparison

Interim accident insurance explained

Interim accident insurance can help fill the gap in accident insurance created when you leave an employer. This guide can help you decide whether you need it.

In addition to obligatory accident insurance (UVG), insurers also offer so-called interim accident insurance.

This insurance extends your accident insurance to cover you for a long period. This would typically be an “interim” period between jobs.

Your employer-provided accident insurance covers you for an additional 30 days from the time your employment contract ends. More precisely: coverage from your obligatory non-occupational accident insurance ends exactly 30 days from the last work day for which you receive at least half your salary.

Extended protection against accidents in your leisure time

As an employee, you can extend the coverage provided by your compulsory insurance for non-occupational accidents for up to 180 days (6 months) by taking out an interim accident insurance policy. You enjoy the same benefits, including the same daily income compensation, coverage for the cost of treatment and survivors and invalidity benefits during that extended period.

Advantages compared to basic accident insurance

If you expect to be unemployed for more than 30 days at a time, then getting interim accident insurance can make sense. The prime advantage of extending your accident coverage with interim accident insurance rather than adding the accident insurance rider to your obligatory health insurance policy is that interim accident insurance also extends the salary compensation and invalidity coverage that you get with employer-provided accident insurance. And unlike the accident insurance provided by health insurers, interim accident insurance (like employer-provided accident insurance) has no deductible and no required copayment.

Interim accident insurance premiums compared

Unfortunately, interim accident insurance doesn’t come free of charge. Helsana offers this coverage for a premium of 25 francs per month, while AXA Winterthur and Zurich charge 40 francs per month. Surprisingly, getting this insurance from SUVA is exceptionally expensive, at a tidy premium of 45 francs per month.

If you prefer to add the accident insurance rider to your health insurance policy, you should make sure to do it within one month of leaving your employer. If you receive unemployment benefits, on the other hand, you will be insured against accidents by SUVA.

The team

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