What are occupational, school and commuting accidents?

Occupational accidents are accidents suffered by insured persons in connection with their work, or whilst travelling on company business.
Such accidents include those occurring:

• During the storing, transport or repair of work equipment
• During company sporting events, unless they are primarily of a competitive nature
• During company parties and trips organized by companies

School accidents are legally defined as follows:
Accidents suffered by children whilst attending schools or vocational colleges or whilst under supervision conducted by or associated with such educational establishments immediately prior to or following lessons. This category of accidents also includes those suffered by students during education and training at institutes of higher education, and by children in day-care centres.

In addition, activities outside the day-care centre, school or institute of higher education are also insured, such as school trips, school parties, school sports, or visits to university and public libraries.

Commuting accidents are accidents occurring during journeys directly to and from the workplace, school, day-care centre or institute of higher education. Employees are also insured on detours which are necessary for example:

• In order to accommodate children during working hours
• For the purpose of car-sharing
• Owing to traffic diversions
• Where the workplace can be reached more quickly by a longer route (e.g. by motorway)