Adjust accident cover
If you work at least eight hours per week for the same employer, you can exclude accident cover.
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Everything you need to know about accident cover
To make certain you’re insured against occupational and non-occupational accidents if the worst comes to the worst, you need to adjust your accident cover.
Change of job: Let us know
Make sure to include accident cover again if you’re no longer insured through your employer. For example, if planning to spend some time away travelling, if working for less than eight hours per week, or if your employment is only temporary. A change is possible from the following month. If you leave your job, you're still insured against non-occupational accidents for the next 31 days.
FAQs
Is your child starting an apprenticeship? Let us know. Because, as a trainee, they’ll be insured by the employer against accidents, which means you can exclude accident cover. Written evidence, such as a copy of the apprenticeship contract, is required.
On reaching official retirement age, CSS automatically includes accident cover again. You then receive a new policy and an accompanying letter.
If you plan to continue working, we need written evidence of this. That will allow us to exclude accident cover again. The evidence submitted must confirm that you are in an employment relationship and thus insured against accidents through your employer.
- Occupational accident (OA): An accident that happens during working hours or while directly on the way to and from work.
- Non-occupational accident (NOA): An accident that happens in your leisure time or while you’re on your way to and from work but not directly, e.g. if you go to the gym on your way home.
Illnesses are more common than accidents. That’s why it’s important to know how illness and accident differ, and what benefits those in work will receive in each case. That way, you can make sure you have the right cover.
The sooner you report an accident, the faster we can process your bill and transfer the money to you. Because we're not familiar with either the circumstances leading to the accident, or your professional situation. And it isn’t always possible for us to tell from a bill what sort of injury has been suffered.
In the case of accidents involving third parties, we also need information about the other people involved. That way, we can establish whose insurance will cover the related medical costs.
Holidays at last – and then this: You have an accident or are suddenly taken very ill. Read on to find out what's important to remember if faced with accident or illness abroad, and which types of insurance it's helpful to have.