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3rd Pillar – Independent medical examiner

Independent, transparent and swift clarity on work capacityIndependent medical assessment

We offer an independent second opinion on work capacity – on behalf of companies and insurers who wish to have a certified incapacity for work reviewed.

Neutral
An independent assessment and clarification of work capacity.
Transparent
A clear appraisal of the incapacity for work and of the return-to-work options.
Hybrid
Digital and on site in Bern.
Assessment concept

Your independent medical examiner in Bern – neutral and free of instructions

01

Evaluation when the mandate arrives

Once we receive a mandate, we use the documentation to evaluate which route makes sense: an initial telemedicine consultation – or an in-person examination straight away.

02

Telemedicine assessment

Where it makes sense, we first contact the patient by telemedicine. Clear-cut cases of incapacity for work can then be assessed and documented efficiently, with little effort and considerably faster.

03

In-person assessment at the practice

If it is clear from the outset that a physical examination is required – or if telemedicine does not provide conclusive clarity – we invite the patient to our practice in Bern (Laupenstrasse 1) for an in-person assessment of work capacity.

This way every case receives exactly the depth of examination it requires – without unnecessary travel and without unnecessary delay.

Services

Four clear services

01

Work capacity assessment & plausibility check

An independent medical examination where there are justified doubts about an incapacity for work; a structured assessment related to the actual workplace.

02

Second opinion on medical certificates

Review and interpretation of existing certificates, including partial work capacity and reasonable adapted duties.

03

Support for return to work

Medically sound recommendations for realistic return-to-work plans, coordinated with the employer and the treating physicians.

04

Assessments for insurers & case management

Fast, independent medical opinions for case steering, for example in daily sickness benefits (KTG) cases or early disability insurance (IV) intervention.

Triggers

When does an independent medical examination make sense?

Typical, objective situations in which an independent medical second opinion creates clarity.

  • Repeated short absences with no discernible pattern
  • Sick leave immediately after a dismissal or a conflict
  • Contradictory or backdated medical certificates
  • A clear discrepancy between the certified incapacity for work and the documented requirements of the workplace
  • Long-running cases with no clear return-to-work perspective

An examination against the will of the person concerned requires justified doubts. For return-to-work and case management, a shared interest in clarity is sufficient – we advise you on what is appropriate in your case.

Repeated or prolonged absences

When short absences pile up or a case drags on unusually long, there is often more behind it than a single sick note reveals. We look into the causes, appraise work capacity from a medical perspective and propose measures that serve the person concerned and the organisation alike.

Return to work after illness or accident

Coming back after a serious illness or an accident is a sensitive moment. A neutral assessment shows what can reasonably be expected – and which adjustments to workload, duties or workplace make the return sustainable without overstretching the person concerned.

Fitness assessment before starting a job

Before an engagement begins, it can be clarified whether a person meets the health requirements of the intended role. Only the suitability for those specific duties is assessed – not the state of health as such.

Legal framework

What employers may do – and what they may not

An independent medical examination is not a vote of no confidence but a regulated instrument. These four points explain what it rests on and where its limits lie.

01

Duty of loyalty of employees

Employees are required to safeguard the legitimate interests of their employer (Art. 321a OR, the Swiss Code of Obligations). This includes giving truthful information about their own work capacity and cooperating in clarifying it.

02

Right to have it verified

Where there are concrete doubts about a certified incapacity for work, or absences accumulate to the point where operations suffer considerably, the company may request an independent medical examination.

03

Limits of such an order

This right is not unlimited. The order must be proportionate and rest on comprehensible indications. An examination without a concrete reason is not admissible – which is why we check in advance whether it is warranted in the case at hand.

04

Data protection

Diagnoses and medical details belong to an employee's private sphere and are not disclosed without their consent (Art. 328b OR – the Swiss Code of Obligations – and the Swiss Data Protection Act, DSG). The company only receives the information it needs for deployment planning.

This overview outlines the legal situation in general terms and does not replace legal advice in an individual case.

Confidentiality

What the employer learns – and what it does not

What the client is told

  • Degree and expected duration of the incapacity for work
  • Type of impediment (illness or accident)
  • Reasonable adapted deployment options
  • The return-to-work perspective

What stays protected

Diagnoses, findings and treatment details are protected by medical confidentiality and are not passed on. The examination takes place with the written consent of the person examined.

For employees

What can you expect from the examination?

01

A structured medical consultation

We first evaluate your documentation; depending on the situation, a telemedicine consultation or an examination on site in Bern takes place.

02

A fair, independent assessment

We take neither the employer's side nor the insurer's. The mandate and the fee come from the company or the insurer; the medical assessment itself is free from instructions and follows professional medical standards.

03

Medical details remain protected

Diagnoses and findings are covered by medical confidentiality. Only work-relevant information is passed on – what you are able to do, not why.

Frequently asked questions

Frequently asked questions about the independent medical examiner

Only work-related information – the degree and expected duration of the incapacity for work as well as reasonable deployment options. Diagnoses and findings are protected by medical confidentiality and are not passed on.

The treating physician provides treatment; the independent medical examiner assesses work capacity independently and in relation to the workplace – as a second opinion where there are justified doubts.

Where there are justified doubts about the incapacity for work. We advise you on your specific situation – for legal questions we work with a law firm.

The initial telemedicine consultation usually takes place within a few days; the assessment follows promptly after the examination.

First we evaluate your documentation. Where it makes sense, a telemedicine consultation takes place. If an in-person examination is needed, it is held at our practice in Bern, Laupenstrasse 1.

Take action

With AcciMed you make the difference

Targeted return-to-work strategies, partial work models and structured support measurably reduce illness and accident costs – with greater stability for everyone involved.