If you're employed by Coople in Switzerland and can't work due to an accident, you may be entitled to compensation for loss of wages.
All occupational accidents (accidents that happened while at work) are covered. But if the accident happened in your spare time, there are a few additional requirements.
In this article, we'll explain more about accident benefits and how to claim your allowance if eligible.
Accidents are split into two categories: occupational and non-occupational.
Occupational accidents: | Accidents that occur during your employment in a company. |
Non-occupational accidents: | Accidents that happen during your free time, but while you're employed. |
When am I entitled to insurance benefits for accidents?
Occupational accident ("OA")
All occupational accidents are covered by SUVA. If you don't meet the criteria for non-occupational accident insurance, you can also claim occupational accident insurance for accidents that happen on the way to work. The insurance begins on the day you start work as agreed in your contract and ends on your last day of work. The premium for the occupational accident insurance is paid by Coople as your employer.
Non-occupational accident ("NOA")
If you have an accident during your free time, you are only insured through Coople if you meet the SUVA regulations for non-occupational accidents. This requires you to have worked for Coople more than 8 hours a week on average. The premium for non-occupational accidents is paid by the employee, which is why the contributions are deducted directly from your salary if you meet the conditions (visible on the salary statement as "NOA contribution"). Coverage against non-occupational accidents ends 31 days after your last day of work at a Coople job..
If you do not meet the criteria of working at least 8 hours per week on average, you should include the coverage for non-occupational accidents in your health insurance.
Please note that the non-occupational accident premiums will be deducted from each salary, as it is unclear in advance how much you will work throughout the year. At the end of the year, we will determine whether you have met the insurance criteria. If this is not the case, we will refund the NOA premiums at the beginning of the following year.
If you have already reached retirement age and are working with Coople, you are also insured for occupational and non-occupational accidents, just like all other temporary employees.
What are the benefits? How long am I entitled to benefits?
From the 3rd day following the accident, 80% of the salary is paid by the insurance company. Until the end of this waiting period, Coople must pay at least 4/5 of the salary. As far as the benefits for non-occupational accidents are refused or reduced by SUVA in the case of extraordinary dangers and risks in the sense of Art. 49 and 50 of the Accident Insurance Order (OLAA), Coople is not obliged to pay wages according to Art. 324a or 324b of the Swiss Code of Obligations. The maximum insured annual salary for accident insurance is currently CHF 148'200.-. The duration of the claim is based on the legal deadlines.
How can I make a claim?
The first step is to let us know about your accident. Here is how it works:
In the app, go to your Account.
Click on Request Absence Pay.
Click on Claim Accident Pay.
Fill in the form and attach the necessary documents as instructed.
Submit the report.
To process your claim, we'll need a medical certificate from your doctor. Minor accidents are sometimes exempt from this rule.
Important information about the doctor's certificate:
Please read this information on medical certificates carefully. This will help us to process your request more quickly.
The doctor's certificate must be issued at an in-person doctor's appointment. Certificates issued after telephone consultations will not be accepted by the insurance company.
The certificate must certify the accident from the first day of absence.
Please note that we will file criminal charges for the forging of doctor's certificates.
Once we've received all the information we need, we'll process your claim with the insurance company.
If accepted, you'll be paid a daily insurance allowance with your next salary. We'll also send you the details of our insurance company so that you can request reimbursement for any related medical bills.
Do I also have a claim if I no longer work with Coople?
The insurance cover for occupational accidents under the Coople job contract ends on the last day of work. Coverage for non-occupational accidents ends on the 31st day after your last day of work at a Coople. You have the possibility to extend the non-occupational accident insurance according to OLAA directly with SUVA for 6 months within this period (interim accident insurance). Further information on the interim accident insurance is available on the SUVA website. If necessary, you can take out the interim accident insurance yourself online.
How can I protect myself against accidents?
While it's great to have accident insurance, we're sure you'd rather not get hurt in the first place.
To find out more about how to stay safe at work, check out our guide to accident prevention and occupational safety.