Accident insurance
Compulsory accident insurance is insurance for employees. Employers are obliged to register their employees for accident insurance.
Accident insurance mainly covers the financial consequences incurred by an insured person or their survivors as a result of an insured event (occupational accident, occupational illness, non-occupational accident and accident-like physical injuries); it pays the medical costs, the necessary aids, daily allowances, pensions, rescue costs and, in the event of permanent significant damage to physical or mental integrity, compensation for loss of integrity.
An accident is defined as a sudden, unintended impact of an unusual external event on the human body. For example, broken bones caused by a fall are considered an accident. However, it is not an accident if back pain occurs after carrying loads.
Accident insurance is self-financed. The premiums for occupational accidents and illnesses must be paid by the employer. Since 2012, the premiums for non-occupational accidents have been paid in full by the insured person. The employer is liable for the entire premium amount. It deducts the employee's share from their salary.