Accident Insurance

Who is insured under statutory occupational accident insurance?

Statutory occupational accident insurance offers workers, companies, children in day-care and school, students and many others comprehensive insurance coverage. Overview of persons insured under statutory occupational accident insurance >>

Benefits: prevention, rehabilitation and compensation

When an insured person has an accident at work or suffers from a job-related illness, he or she is covered by a comprehensive system of rehabilitation and compensation. But first and foremost comes effective prevention. Overview of tasks and benefits of statutory occupational accident insurance >>

Financing statutory occupational accident insurance

Statutory occupational accident insurance is financed exclusively through employers' contributions. The amount of contribution is determined on the pay-as-you-go principle and is influenced by the accident risk involved in the particular job. For jobs in the public sector, the federal, state and municipal governments cover the costs. Overview of financing for statutory occupational accident insurance >>

Organisational structure and legal basis

Statutory occupational accident insurance was established in 1884. Different organisational structures have been formed in the industrial and agricultural insurance funds than in the public-sector agencies. But all are based on the principle of equal participation of employees and employers in the funds' self-administration. Overview of the organisation of statutory occupational accident insurance >>

History of statutory occupational accident insurance

Statutory occupational accident insurance has been part of German social insurance from the very beginning. Accident insurance has continued to evolve through the years, helping to shape a healthier and safer working world. The basic components of the original accident insurance system are still valid today. The early days of accident insurance and milestones along the way - an historical overview >>