Accident cover
In one sentence
The option covering accidents within health insurance — suspendable if your employer already insures you.
What it changes for you
From eight weekly working hours with the same employer, the LAA already covers you for accidents, including non-occupational ones. Paying for accident cover on top then means paying twice: suspending it lowers the premium by around 7 %. Beware the reverse — losing your job, dropping below eight hours, or going self-employed requires reactivating it immediately.