Accident insurance - what is it and who does it cover?

The risk of disability as a result of an accident at work or an occupational disease concerns all professionally active people. Accident insurance guarantees entitlement to many benefits not covered by sickness insurance. An employee who has been injured in an accident at work or has an occupational disease may receive benefits provided that the employee was registered for accident insurance at the time. You can use the services of voluntary life insurance by clicking on the link.

Accident insurance

Accident insurance is mandatory and provides social protection to insured persons. The social insurance system does not provide for the possibility of voluntary insurance in case of accident insurance. Accident insurance guarantees benefits in the event of accidents, that is, events that occur without the will of a person, and their direct consequence may be damage to health. Also, the basis for using insurance is an occupational disease caused by certain factors related to the work performed.

An occupational accident is a sudden event caused by an external cause, resulting in injury or death, occurring in connection with work:

• during or in connection with the performance by the employee of the usual actions or orders of superiors,
• during or in connection with the performance by the employee of actions for the employer, even without a command,
• while the employee is at the disposal of the employer on the way between his seat and the place of performance of the obligation arising from the employment relationship.

An occupational disease is a disease specified in the list of occupational diseases. This is caused by factors harmful to health in the work environment or may be related to the way the work is done.

Accident Insurance - Benefits

An insured person who has suffered an accident at work or an occupational disease has the right to sickness benefit. The benefit is paid in the amount of 100% of the calculation base, regardless of the period of accident insurance. The right to sickness benefit under accident insurance is effective from the first day of incapacity for work caused by an accident at work or an occupational disease. Therefore, persons who are covered by accident insurance and become disabled due to an accident at work or an occupational disease do not apply the so-called. a waiting period, as is the case for sickness benefit for sickness insurance.

You are eligible for accident insurance benefits even if the sickness benefit period has not been used in that calendar year. In the event of disability due to an accident at work or an occupational disease, the employee is immediately entitled to sickness benefit and does not receive sickness benefit.

The accident insurance sickness benefit is also paid if the insured person has not joined the voluntary sickness insurance program. If the worker is still unable to work after the end of the sickness benefit and further treatment or curative rehabilitation promises to restore the ability to work, he or she is entitled to a rehabilitation allowance.