The most important thing after an accident is to get better as quickly as possible. But it’s just as important to quickly report the accident – whether it happened in Switzerland or abroad.
You can easily report an accident in Switzerland online. The same goes for accidents that have caused tooth damage. Log in to your account via the myHelsana client portal or using your insurance number.
If you have an accident that causes tooth damage, contact your dentist as soon as possible. Your dentist will complete the "Tooth damage: findings/cost estimate (KVG)" form and send it to us along with the associated documents. Only then will we be informed of the incident and any accident-related tooth damage can be assessed.
If the accident was caused by food, we ask that you also complete the "Questionnaire relating to tooth damage in connection with food".
Yes, tick bites and wasp stings are considered accidents.
Yes, if the accident is covered by the basic insurance policy, you will be billed for your share of the costs. The Swiss Federal Health Insurance Act stipulates that, in the event of an accident, compulsory health insurance covers the same benefits as for illnesses.
Recourse is the right to claim compensation. To be precise, it relates to the right to claim back the cost of services provided (treatment costs) or the uncovered costs (uninsured benefits) directly from the party that caused the accident or from their liability insurance.
If the accident is covered by the basic insurance policy, you will be billed for your share of the costs. However, you can reclaim the uncovered costs directly from the liable party or their liability insurance (direct damages).
Whether you're deep-sea diving, skydiving or motorbike racing: hazardous behaviour refers to actions that expose you to great danger and are therefore very risky. Suva has compiled a list of all the activities that are considered hazardous.
Yes, in some cases, your benefits will be reduced. In the case of
supplementary insurance, benefits are excluded for any illness or accidents caused as a result of hazardous behaviour. You can find more information in the general insurance conditions for supplementary insurance policies.
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