Accident insurance
Under accident insurance is understood within the health care system an insurance against the consequences of an accident , both the acute ( medical emergency ) and the longer term in the form of a light or heavy disability and sometimes even the death .
The accident insurance only covers own damage - or the co-insured - regardless of a question of guilt . The insurance that insures the person who caused the accident against the consequences of an accident for others is called liability insurance .
Basics
Accident insurance generally covers not only the medical costs ( first aid as well as medical treatment and rehabilitation ), but also accident-related costs such as patient transport and longer-term follow-up costs, such as compensation for permanent physical impairment (in the sense of compensation for pain and suffering ), social assistance such as transitional allowances in the second phase the accident, need for care ( care allowances ) or retraining in the event of industry- related occupational disability , up to disabled pensions and death grants for the surviving dependents. The exact scope of the benefits depends on the insurance contract , both for state-public and private insurance and insurance systems.
A special feature arises in the case of personal consequences of a self-inflicted accident, which are therefore not covered by liability insurance. Here - depending on the circumstances and contractual conditions - the accident insurer may claim recourse .
Special forms
Industrial accident insurance is a special form . The modern understanding of the world of work feels the risks in professional life to some extent also in the employer's area of responsibility. Therefore, the employee has in principle the position of a co-insured with the employer for industrial accidents (company insurance relationship ). Historically, such insurance against accidents at work can be seen as a replacement for employer's liability . Therefore, a fundamental distinction is made between work and leisure accidents . The scope of services is usually the same, but the financing is different. The group of statutory accident insurance also includes corresponding insurance for public employees, such as the municipal accident insurance in Germany.
Occupational diseases (chronic consequences) belong partly to accident and partly to health insurance . In German-speaking countries, for historical reasons, occupational accident insurance is considered the "accident insurance par excellence".
In addition to the coverage in a public insurance system, there are also numerous forms of private accident insurance , as an alternative or supplementary insurance.
Special accident insurances are also:
- Passenger accident insurance in road traffic (co-insurance of passengers)
- Return insurance (provides protection in the event of accidents and illness abroad)
National
Europe
Accident insurance falls under Regulation (EC) No. 883/2004 of the European Parliament and of the Council of April 29, 2004 on the coordination of social security systems . It stipulates, for example, that employees are generally insured against accidents in the country in which they work (and not in their home country) and are also treated there. Benefits in kind in the country of residence are balanced between insurers. The terms relating to work accidents and occupational diseases are also defined there.
Germany
Institutions:
- German statutory accident insurance , the umbrella association of commercial professional associations
- Accident Fund, the accident insurance provider for public service employees
- Fire department accident insurance
- Accident insurance for construction workers
Austria
The statutory accident insurance in Austria, as a part of the general compulsory insurance, is a special insurance system that protects the compulsorily insured according to the social insurance laws (the ASVG predominantly comes into play) in the event of events of public concern, namely accidents at work , accidents in educational institutions and assistance for others. On the one hand, this protection is more comprehensive than that provided by private health insurance, especially with regard to long-term consequences. On the other hand, the statutory accident insurance in the leisure area only includes health treatment to the extent required by social insurance law: a. Cost coverage of long-term consequences in the event of permanent impairment, recovery and rescue costs (e.g. air rescue and return transport).
Therefore, there are also numerous forms of accident insurance with private insurance institutes, which cover the risks from the leisure sector that are not covered by statutory health insurance.
Switzerland
In Switzerland, statutory accident insurance (UVG), which covers occupational accidents , is mandatory for employees and voluntary for self-employed people . There is also the non- occupational accident insurance (NBU) for leisure accidents, which is also mandatory for all employees who work at least eight hours a week for the same employer, but the employee can claim the premiums back. Minor employees and other people can have the risk of accident insured with their compulsory health insurance or with private insurance .
See also
Web links
Individual evidence
- ↑ Public Employment Service / Federal Employment Agency: Accident Insurance , A9 from Guide for Cross-border Commuters from Germany , Brochure, onA (pdf, ams.at).
- ^ Social Accident Insurance , Ministry of Health, bmg.gv.at > Health System / Quality Assurance> Health and Accident Insurance
- ^ Social insurance: AHV / IV, BVG, ALV, UVG and Co , kmu.admin.ch