Accident insurance
How you are insured at your working place
Occupational accident insurance covers accidents while working and is paid by your employer. Regardless of your earnings, you are automatically covered if you are employed or undergoing training.
Statutory occupational accident insurance also covers students, as well as children in schools and nursery schools.
If you are a businessperson, self-employed or a freelancer you may not be legally required to have insurance. However, you can get voluntary insurance for yourself as well as your spouse if he/she works with you.
In the event of an occupational accident or occupational illness, state occupational accident insurance provides:
- Payment for full medical treatment
- Occupational integration assistance (including retraining if necessary)
- Social integration assistance and supplementary assistance
- Cash benefits to the insured and their surviving dependants
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Also in this section
- Introduction: The German job market for foreigners
- Work permits: When and how to apply for them
- Finding a job: Where to look for a job in Germany
- Job applications: How to apply for a job in Germany
- Student jobs: How to finance your studies in Germany
- Working in Germany: Management culture, salaries and labour regulations
- Social security: The German social security system
- Unemployment insurance: Getting money when you loose your job
- Pension insurance: An introduction to the German pension system
- Accident insurance: How you are insured at your working place
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