Benefits
Statutory occupational accident insurance has the task of undertaking measures to prevent job-related accidents and illnesses, as well as to protect workers from on-the-job hazards. In cases where occupational accidents or illnesses do occur, accident insurance provides assistance toward restoring the health and working ability of the persons involved and compensation to the insured persons or their persons or their survivors through the provision of cash benefits.
The primary mission of statutory occupational accident insurance according to the legislation is the use all means at its disposal to prevent occupational accidents and illness from occurring in the first place and to minimize potential job-related hazards. The focus is placed on advising companies in all matters having to do with industrial safety and health. This includes providing employers and employees with comprehensive instructions and guideline, as well as international media. The accident insurance agencies also hold free informational, motivational events on the subject of safety at work. (1, 3)
If an insured person has an accident at work or suffers from an occupational illness, statutory occupational accident insurance covers the resulting costs. This means that the insurance fund provides the best possible medical, occupational and social rehabilitation, as well as financial compensation if applicable.
In the event of an occupational accident or illness, statutory occupational accident insurance provides:
• Payment for full medical treatment.
• Occupational integration assistance (for example, retraining).
• Social integration assistance and supplementary assistance.
• Cash benefits to the insured and their surviving independents.
Read more about this topic: German Statutory Accident Insurance
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