Every year, numerous accidents occur at workplaces, in schools and in children’s daycare facilities. Restoration of the affected individual’s health and capacity for work to the greatest possible extent following such an accident or occupational disease is the task of the German Social Accident Insurance.
In contrast to the risks in many other areas of life, which must be covered by private insurance policies, insurance cover in working life and during education and training is provided under German law by the German Social Accident Insurance Institutions. Whether in children’s daycare facilities or schools, at workplaces, or during voluntary work: the accident insurance institutions have the task of protection, rehabilitation and compensation. The insurance cover applies irrespective of age, level of income, or whether a job is permanent or temporary.
Besides all dependent employees, a large number of persons not in employment are also covered by the German Social Accident Insurance. These include:
With the exception of employers who have taken out insurance on their own account and others who have done so voluntarily, no charge is made to the insured individuals themselves for the German Social Accident Insurance. The costs are borne solely by the companies, or in the case of students and children in educational establishments and daycare facilities, by the state.
The German Social Accident Insurance Institutions provide cover for their insured individuals during all journeys to and from their workplaces (commuting accidents), in the event of accidents and diseases caused by their work, in children’s daycare facilities and educational establishments, and during voluntary work. Insurance cover also extends to accidents occurring during sporting activities or social events organized by companies for their employees.