If you already have accident insurance through your employer, you can exclude accident cover from your basic insurance. This will reduce your premium by 7%.
If you are employed by the same employer for at least eight hours a week, you are automatically insured against both occupational and non-occupational accidents through them. That means you can exclude this accident cover from your compulsory basic insurance policy because your employer's accident insurance covers the costs of treatment. This reduces your basic insurance premium by 7%.
The moment you are no longer insured against accidents through your employer, you must include accident cover in your compulsory basic insurance policy again. This may occur, for example, if you become unemployed or your working hours drop below eight hours a week. Any treatment required as a result of an accident will then be covered again by your basic insurance, and your premium is no longer reduced by 7%.