The papers are created during treatment: the copy you receive at the time is typically free of charge, but the institution may charge a fee for copies requested later and for medical certificates issued for insurance purposes. This list shows, in chronological order, when each document is created, and which benefit element needs it, and why.
- The rule: one copy of every medical paper goes in the folder – the same day, without a second thought.
- The single most important document: the record of the first treatment, with how the accident happened described on it.
- A permanent-disability claim rests on the complete, unbroken chain of records – from the first document to the last follow-up.
On the day of treatment
- ☐ The outpatient record / emergency documentation – describing the injury AND how the accident happened (“the mechanism”). If the mechanism isn't on it, ask for it to be added – it's the key to proving accidental origin.
- ☐ Imaging reports – X-ray, CT, MRI findings (the scan itself typically isn't needed, the written report is).
- ☐ For a workplace accident: get the employer's accident report started – following the procedure.
For hospital care
- ☐ Discharge summary – the basis for the hospital element: admission and discharge dates, diagnosis, treatment given. The daily hospital cash rests on this.
- ☐ Surgical report – if you had surgery (day surgery counts too!): the source for surgical classification.
During the weeks of healing
- ☐ Certificates of unfitness for work – for the temporary-disability daily benefit; continuous, with no gaps.
- ☐ Follow-up records – documentation from every check-up; a skipped follow-up leaves a hole in the story.
- ☐ Physiotherapy and rehabilitation records – part of the recovery story, and especially valuable if permanent disability is a question.
At the permanent-disability stage
- ☐ Specialist opinions describing your condition – documenting the loss of function.
- ☐ The complete chain, all together: first treatment → treatments → follow-ups → final condition. The assessment rests on this chain – complete documentation is the basis for getting the percentage right.
Practical tips
Three tried-and-tested habits. One: the phone-album method – photograph every paper immediately, back it up to the cloud; the paper itself can go in the folder. Two: the courage to ask – you're entitled to your treatment records; if something never made it into your hands, request it from the institution (allow a few days for it to arrive). Three: an orderly submission – following the documents article and the checklist, with an itemised list. A well-kept folder is the secret to the fastest possible claim.
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