Accident cover is a small checkbox with a visible effect on the premium. Many people keep it although their employer already covers occupational and non-occupational accidents.
What this is really about
If you work at least eight hours per week for the same employer, non-occupational accidents are usually covered.
Self-employment, part-time work, employment gaps or several small jobs need a closer look.
Fianza reviews these points in context so savings do not happen in the wrong place.
What to pay attention to
- In basic health insurance, benefits are defined by law. Differences therefore mainly concern premium, model, deductible, accident cover and practical access.
- Think about how you actually use medical services. Telmed fits people who are comfortable calling first; family doctor or HMO models fit other habits.
- Calculate deductible and expected health costs together. The lowest monthly premium is not automatically the lowest yearly cost.
Common pitfalls
- Many people switch only because of the premium and later notice that the model does not fit daily life.
- Accident cover is often forgotten. If your employer already covers accidents, it can often be excluded; part-time work and self-employment need a closer look.
- Supplementary insurance should not be changed casually. Health questions, acceptance rules and waiting periods may apply.
How Fianza supports you
- Fianza shows premium differences neutrally and explains the factors behind the price.
- If you enter your current solution, it becomes clear whether switching creates a relevant difference or whether the existing setup remains plausible.
- Advice connects numbers with daily life: model rules, deductible, accident cover, family and personal habits are reviewed together.
