How do early retirees get insurance

Insured in old age - watch out for accident insurance after retirement

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Anyone who has been insured against accidents through their employer for years will have to ask themselves a few questions after retirement.

A “Espresso” listener only realizes after retirement that she can easily cover herself with health insurance against accidents. But the benefits are limited. And to get additional insurance, you have to overcome major hurdles.

The 62-year-old woman attended a preparatory seminar for early retirement. She was not told there that she now has to deal with accident insurance: “We were told in one sentence that you can easily report to your health insurance company and have accidents included. So easy."

This is true. However, it was not clear to her that the benefits are limited and that additional insurance should cover certain risks.

Franchise and deductible

In the case of accident coverage through the health insurance company, the deductible and the deductible according to the policy for the compulsory health insurance apply, in the same way as in the case of illness. In the case of accident insurance through the employer, there is no cost sharing for the employee.

Limited benefits in basic insurance

As a customer of the same health insurance company for decades, the early retirees are annoyed: “With my health insurance company, I have additional insurance for the free choice of doctor and hospital. I would also like to do this if I have an accident. "

With her health insurance company, however, she cannot simply include the accident in the supplementary insurance. A health exam is required. She has been waiting for an answer for weeks. And the chances of being accepted into supplementary insurance are not particularly good at this age. There are age guillotines and older people often fail the health examination.

Risk of wanderlust

The early retiree has only now become aware that accidents abroad could incur large costs. The basic insurance does not include costs for rescues abroad. Return journeys to Switzerland are also not covered and the cost sharing for healing and hospitalization is high for the casualty, depending on the country.

So you are well protected after retirement

Ruedi Ursenbacher

Insurance expert at fair security advice

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Tips from the experts, Ruedi Ursenbacher from fair security advice

  • If you want to be covered in old age, you should take out supplementary insurance at a young age, for example for free choice of doctor and hospital, and include accident insurance. In the knowledge that as an employee you will then be insured twice. However, the premiums for accident are very cheap.
  • If someone travels a lot and far, it is worth checking whether accident coverage is already included in supplementary health insurance. If not, try to include accidents there.
  • If that is not possible: Check whether you already have travel insurance in your supplementary insurance. If not, get good travel insurance.
  • Membership with Rega is particularly worthwhile for those who travel a lot.
  1. Kassensturz espresso
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