Accident cover: do you have it twice?
If you work at least 8 hours a week for the same employer, you are insured against occupational and non-occupational accidents by your employer's insurance.
Updated on 23.09.2026 · Official sources cited
What to do
In that case, you can suspend the accident cover in your health insurance and save a few percent on your premium.
When to reactivate it
As soon as you leave your job, reduce your working time below 8 hours a week or retire, reactivate accident cover with your insurer. The employer's cover ends 31 days after the end of the right to salary.