If you

• work for one employer for more than 8 hours a week or
• are self-employed with voluntary UVG accident insurance

you are already insured against accident through your employer. The amount of the premium for accident insurance will be deducted from the price of basic insurance cover.

If you have not taken out any other accident insurance and

• are not gainfully employed,
• work for one employer for less than 8 hours a week,
• are self-employed without voluntary UVG accident insurance, or
• are a child, a housewife or -husband, or a retired person

the accident insurance will be included in the basic cover.