Accident insurance working in retirement

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  • BenutzernameMoneyland User Questions
  • Status Member
  • Registriert seit1/27/17
  • Beiträge2142

Here is my situation: I am legally retiring (as in claiming my pension) in Switzerland, but I will continue working part-time just to keep myself in the lap in luxury. Do I have to get special accident insurance or will I keep getting this insurance through my employer?

 
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  • BenutzernameMoneyguru von moneyland.ch
  • OrtSchweiz
  • Status Expert
  • Registriert seit8/4/15
  • Beiträge4079

Hi there,

As long as you remain employed more than 8 hours per week (20%), you receive accident insurance from your employers which covers you both inside and outside of your workplace.

If you are employed less than 8 hours per week, your employer's accident insurance only insures you against accidents in the workplace. In this case, you should add the accident insurance rider to your compulsory Swiss health insurance policy.

If you become self-employed, you will not be covered by occupational accident insuance and you will need to add accident insurance to your health insurance policy.

Best regards from Moneyguru

More on this topic:
Swiss compulsory health insurance comparison
Interim accident insurance explained

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  • Online private account with debit card

Swiss digital bank

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  • High interest on your everyday account

  • Best exchange rates

  • Up to 1% of card spending as saveback in the investment portfolio

Swiss Bank

Bank WIR Bankpaket Top

  • Free account & card

  • No exchange fees for foreign payments (interbank exchange rates)

  • 24 ATM withdrawals worldwide per year free of charge

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

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