What to do in case of an occupational accident or disease
Have you been involved in an occupational accident or suspect that you have an occupational disease? If you require treatment or lose your ability to work as the result of an occupational accident or disease, you can receive compensation from Mela in the form of MATA occupational accident and disease insurance.
Occupational accident or disease?
MATA occupational accident and disease insurance compensates expenses incurred by an occupational accident or disease due to the required treatment, medications and travel. The insurance also compensates the costs of physiotherapy, medical examinations and loss of income if there is good reason to believe that the injury or ailment is work-related. Further information about compensation is available here: Compensation.
Accident during leisure time
If you have leisure-time MATA non-occupational accident and disease insurance alongside your occupational insurance, you can receive compensation for accidents that occur while performing private household tasks, during leisure time or while travelling abroad.
Leisure-time MATA insurance covers, for example, the cost of treatment, medicines and travel expenses. Treatment expenses are reimbursed without a ceiling, and compensation is also paid for permanent disabilities. Please note that leisure-time insurance does not provide sports or license insurance tailored for sports or licensed sports activities or travel insurance. When traveling abroad, you should also have travel insurance, as leisure-time accident insurance only covers the cost of treating injuries abroad.
Seek medical attention and submit a claim form
If you been involved in an occupational accident or suspect that you have an occupational disease, seek medical attention as soon as possible in order to receive timely treatment of your ailment. It is also important that the injury and the events leading up to it are recorded. Should the injury cause you discomfort or deteriorate later, it is easier to show that it was caused by an occupational accident or disease if there are records to support the claim.
A claim form must always be submitted when seeking compensation for an occupational accident or disease. The claim form must be submitted within 60 days of the accident or onset of the disease.
Compensation paid for individual cases do not affect your insurance premiums.
Payment commitments ensure rapid treatment
Mela can provide a payment commitment to a specialist physician for a medical examination or treatment, for example if you require an MRI, endoscopy or operation. A payment commitment is always required before the procedure can be performed.
A payment commitment can also be requested for long-term medication prescribed for the treatment of an occupational accident or disease. The payment commitment will allow you to obtain the prescribed medication and other products from the pharmacy free of charge.
Find out more about payment commitments here: Payment commitments.
MATA insurance is always valid alongside your compulsory MYEL pension insurance
MATA occupational accident and disease insurance is automatically valid for anyone covered by compulsory MYEL pension insurance.
Leisure-time MATA insurance is available to anyone with MATA occupational accident and disease insurance.