{"id":23046,"date":"2024-04-25T10:29:19","date_gmt":"2024-04-25T08:29:19","guid":{"rendered":"https:\/\/news.save.ch\/?p=23046"},"modified":"2024-04-25T10:29:19","modified_gmt":"2024-04-25T08:29:19","slug":"tcs-fuellt-mit-dem-neuen-notfall-schutzbrief-eine-versicherungsluecke","status":null,"type":"post","link":"https:\/\/news.save.ch\/fr\/tcs-fuellt-mit-dem-neuen-notfall-schutzbrief-eine-versicherungsluecke\/","title":{"rendered":"Le TCS comble une lacune en mati\u00e8re d'assurance avec sa nouvelle lettre de protection d'urgence"},"content":{"rendered":"
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zVg<\/figcaption><\/figure>\n

Fond\u00e9 en tant qu'association \u00e0 but non lucratif, le Touring Club Suisse est actif depuis plus de 60 ans dans le domaine de l'aide sanitaire d'urgence, notamment en lien avec le livret ETI. Il y a trois ans, le TCS s'est lanc\u00e9 dans le secteur des ambulances. Depuis, TCS Swiss Ambulance Rescue est devenu le plus grand acteur priv\u00e9 dans le domaine des ambulances et compl\u00e8te le secteur tr\u00e8s fragment\u00e9 du sauvetage d'urgence et du transport de malades. Avec 50 ambulances, plus de 30'000 interventions sont effectu\u00e9es chaque ann\u00e9e dans six cantons.<\/p>\n<\/div>\n

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\"Nous analysons le march\u00e9 en permanence\", explique J\u00fcrg Wittwer, directeur g\u00e9n\u00e9ral du TCS, \u00e0 propos de cet engagement. Lors de l'analyse des attentes des membres, le TCS a remarqu\u00e9 une lacune en mati\u00e8re d'assurance. Il ressort d'une enqu\u00eate r\u00e9cente du TCS que la population fait confiance aux sauveteurs locaux et aux services d'urgence, pratiquement sans restriction. En revanche, les personnes interrog\u00e9es se sentent moins bien assur\u00e9es en ce qui concerne la couverture financi\u00e8re apr\u00e8s une urgence. Pour assurer la mobilit\u00e9 apr\u00e8s un incident m\u00e9dical ainsi que les frais de transport d'urgence en partie non couverts, le TCS a maintenant d\u00e9velopp\u00e9 une solution avec la nouvelle lettre de protection d'urgence.<\/p>\n

Solution pour la charge organisationnelle et financi\u00e8re<\/h3>\n
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Un accident de ski, une chute \u00e0 v\u00e9lo ou d'une \u00e9chelle : les blessures qui s'ensuivent peuvent durer des semaines, voire des mois, apr\u00e8s un accident. Pendant ce temps, on est limit\u00e9 physiquement, on ne peut pas se d\u00e9placer et on a besoin d'aide. Les questions suivantes se posent alors rapidement : comment faire pour ne pas rester isol\u00e9 et continuer \u00e0 avoir une vie sociale, comment faire les courses, comment me rendre sur mon lieu de travail, comment emmener mes enfants \u00e0 la garderie ou \u00e0 l'entra\u00eenement de hockey ? La p\u00e9riode de convalescence, par exemple apr\u00e8s une rupture des ligaments crois\u00e9s ou m\u00eame une fracture, est souvent longue, p\u00e9nible et souvent accompagn\u00e9e de douleurs. La situation devient encore plus p\u00e9nible lorsque l'immobilisation temporaire ne permet pas de savoir comment g\u00e9rer le quotidien.<\/p>\n<\/div>\n

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M\u00eame si beaucoup de choses sont couvertes par une assurance-maladie compl\u00e9mentaire ou par l'assurance-accidents de l'employeur, il y a quand m\u00eame une lacune dans l'assurance lorsqu'il s'agit de la mobilit\u00e9. C'est pourquoi la nouvelle lettre de protection d'urgence du TCS entre en jeu lorsqu'une restriction de la mobilit\u00e9, attest\u00e9e par un m\u00e9decin, emp\u00eache le patient ou la patiente d'effectuer ses trajets habituels depuis son domicile. Elle couvre les trajets, par exemple en taxi, pour se rendre au travail, au centre commercial, \u00e0 des rendez-vous avec des amis, chez le m\u00e9decin ou chez le physioth\u00e9rapeute ; et ce pour la personne accident\u00e9e elle-m\u00eame, mais aussi - et c'est l\u00e0 la particularit\u00e9 - pour l'environnement familial imm\u00e9diat, par exemple pour les enfants. Les frais sont couverts jusqu'\u00e0 concurrence de 10 000 francs, au maximum pour une dur\u00e9e de trois mois et une fois par an.<\/p>\n<\/div>\n

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Couverture des frais de transport en ambulance<\/h3>\n<\/div>\n
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Le livret d'urgence du TCS prend \u00e9galement en charge les frais en cas d'urgence sanitaire, \u00e0 savoir les transports d'urgence. Les frais d'une intervention en ambulance peuvent rapidement atteindre des sommes importantes. Un trajet de 50 kilom\u00e8tres peut co\u00fbter entre 1'000 et 2'000 francs. L'assurance de base ne prend en charge que la moiti\u00e9 des frais d'ambulance.<\/p>\n<\/div>\n

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Roman Burkart, directeur de l'Interassociation de sauvetage, ne conna\u00eet que trop bien la probl\u00e9matique des frais d'ambulance. \"Les co\u00fbts peuvent parfois \u00eatre tr\u00e8s \u00e9lev\u00e9s pour les patients. La loi sur l'assurance maladie n'est tout simplement plus adapt\u00e9e \u00e0 notre \u00e9poque\", commente-t-il.<\/p>\n<\/div>\n

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Ainsi, si une personne doit \u00eatre hospitalis\u00e9e imm\u00e9diatement par ambulance (via le num\u00e9ro d'appel d'urgence g\u00e9n\u00e9ral 144) dans l'h\u00f4pital suisse appropri\u00e9 le plus proche en raison d'un accident ou d'une maladie impr\u00e9visibles, les frais sont couverts par le livret d'urgence du TCS et ne sont pas pay\u00e9s par d'autres assurances obligatoires ou facultatives ou par des tiers payants.<\/p>\n

Source : TCS<\/em><\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Als nicht-gewinnorientierter Verein gegr\u00fcndet, ist der Touring Club Schweiz seit \u00fcber 60 Jahren insbesondere im Zusammenhang mit dem ETI-Schutzbrief in der gesundheitlichen Notfallhilfe t\u00e4tig. Vor drei Jahren stieg der TCS in den Ambulanzsektor ein. Inzwischen ist TCS Swiss Ambulance Rescue der gr\u00f6sste private Akteur im Ambulanzbereich und erg\u00e4nzt den stark fragmentierten Sektor der Notfallrettung und […]<\/p>\n","protected":false},"author":31,"featured_media":23047,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[3314],"tags":[1630,6410,6409,2628,3077],"class_list":["post-23046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-safety","tag-ambulanz","tag-krankentransport","tag-notfallhilfe","tag-notfallrettung","tag-tcs"],"acf":[],"hkrextid":null,"publication":null,"issue":null,"workflow":null,"startPage":null,"spitzmarke":null,"_posts_by_tag_page_fields":null,"_at_widget":null,"_yoast_wpseo_primary_category":"3314","_yoast_wpseo_focuskw_text_input":null,"_yoast_wpseo_opengraph-image":null,"_yoast_wpseo_opengraph-description":null,"_yoast_wpseo_opengraph-title":null,"enclosure":null,"_yoast_wpseo_twitter-title":null,"_yoast_wpseo_twitter-description":null,"_yoast_wpseo_twitter-image":null,"_wp_old_slug":null,"_yoast_wpseo_title":null,"_yoast_wpseo_canonical":null,"yoast_head":"\nTCS f\u00fcllt mit dem neuen Notfall-Schutzbrief eine Versicherungsl\u00fccke - 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