Accident Insurance
Compulsory accident insurance is designed for employees, with the employer being obligated to register their employees with the accident insurance.
This form of insurance primarily addresses the financial consequences arising for an insured person or their survivors due to covered events such as occupational accidents, occupational diseases, non-occupational accidents, and accident-like bodily injuries. It encompasses coverage for medical costs, necessary aids, daily allowances, pensions, salvage costs, and, in cases of permanent significant damage to physical or mental integrity, an integrity compensation.
An accident, within the context of this insurance, is defined as the sudden, unintended impact of an unusual external event on the human body. For instance, broken bones resulting from a fall are considered an accident, while back pain occurring after carrying loads is not classified as such.
Accident insurance is self-funded, with premiums for occupational accidents and illnesses being the responsibility of the employer. Since 2012, premiums for non-occupational accidents are entirely borne by the insured. The employer is liable for the entire premium amount, offsetting the employee's share by deducting it from their salary.