Insurance companies With its new claims management system, Suva wants to start caring for accident victims earlier - and thus save on pensions. The probability of an accident turning into a disability claim has increased over the past 15 years. This trend has increased significantly with the onset of economic stagnation after the turn of the millennium. The most expensive five percent of cases now account for almost 75 percent of all costs in leisure accident insurance. In occupational accident insurance, it is even four out of five cases. It is not only the quantified costs that are serious. Daily benefits broke through the 1.1 billion Swiss franc barrier in 2003, which corresponds to an increase of 19 percent compared to 2000 - and this with the number of cases remaining roughly constant. However, the individual fates are far more serious, explains Robert De Laquis, Head of Marketing at Suva. "As market research confirms, even a moderately serious accident often leads to a period of depressing isolation. Especially in our culture, where people define themselves through their work, the risk of being marginalized and derailed is particularly high."
Patients often lose contact with their work colleagues and superiors even during a longer hospital stay, and even more so during the subsequent rehabilitation period, because they soon return to their usual daily routine, the HR department provides replacements and everything will fall into place again anyway. "Social factors such as the good working environment and the close-knit, intact network would have a very positive effect on the patient's faster recovery," says Claude Catsky, who has been responsible for Suva's accident insurance division in commercial communications for over seven years. With the deterioration in the economy, competitive pressure has increased, which has narrowed the scope for employers to play a more active role in the reintegration of accident victims. Even for slightly disabled people, sheltered jobs have long been in short supply. The situation has also worsened as a result of demographic structural changes. The average age of accident victims has increased and they need more time to recover.
Delays with fatal consequences
In view of this development, there is an urgent need for action. Two years ago, Suva responded with the promising New Case Management (NCM) concept under the concept leadership of Willy Morger. This aims to improve current claims management in one crucial area: The earlier potential pension cases are managed, the more can be achieved. Delays have fatal consequences because patients who are unable to work for a long time are often permanently excluded from the workplace. "On the other hand, the months-long clarifications themselves make people ill. Yet most accident victims long for their job," says Catsky, correcting the often distorted image of such patients.
This leads on to his creative realization for the print market.
The image shows a construction worker in an accident transferring his typical hand movements to building a sandwich in a hospital bed or a car mechanic lying under his bed and working on the hydraulics.
Catsky took a more sarcastic approach to the situation of an office worker who has had an accident for the emotional medium of TV. In the commercial, his office chair seems to be the only one who is bothered by the gap in his working environment. He therefore goes to visit the patient in hospital, overcoming several hurdles.
In reality, Suva's case managers, 65 specially trained case managers in 20 agencies, ensure that the chair does not remain lonely for too long. They provide their patients with comprehensive care, paying particular attention to the accompanying psychosocial circumstances. They work in a team with district doctors and other specialists. In order to communicate the early detection system successfully introduced as part of the IV revision and the holistic case management to the various target groups - including 100,000 companies with 1.9 million insured persons - Suva relies on various measures. In addition to the basic media of advertisements and TV commercials, customer brochures, online self-checks for companies, local reports and portraits, training modules for doctors and much more are planned.
Only the chair misses the injured employee - and decides to visit the sick. Scenes from the TV commercial by Claude Catzky.
Luca Aloisi