The industrial accident is apart from the occupational illness the second accident of the legal accident insurance. It is to distinguish from the purely private leisure, sport and traffic accidents without purchase to a vocational activity. The social security in case of an industrial accident is world-wide in many social security systems legally regulated. In particular the conditions for being present an industrial accident, the capacity as well as the medical system are country-specifically different.

World-wide occur annually 268 million industrial accidents, whereby only cases are considered here, which end not deadly and cause at least 3 days loss of working hours. Additionally are for the first time affected each year 160 million humans by an occupational illness. 2,2 million humans die each year at occupational illnesses, whereby 19% of the deaths have an industrial accident to the cause.

Germany

Accident

An industrial accident in the sense of the legal accident insurance is an accident of an insured one, which is legally substantially by an insured activity caused and not intentionally caused. The legal examination in accordance with "§ 8 SGB VII is to be developed as follows:

• First an insured activity must be present. That is not only the vocational activity, but can also a so-called way accident be (see below). Details are "§"§ the 2 FF. SGB VII to infer (insurance strength of law, strength statute or freiwillige insurance).
• Further a concrete performing must be present in the context of the insured activity.
• Between concrete performing and the insured activity an internal connection must exist. Are to be from each other defined self-economical and operational danger. Performing must have to be added its to the insured field of activity with rating view, whereby it on the conception of the insured one, serves the insured activity, to arrive is. The internal connection is void with the so-called created danger, if the Versicherte behaves in such a measure opposed to common sense the fact that operatingconditioned circumstances withdraw completely and for the accident represents no more substantial cause.
• It must have come to an accident: A temporally limited (within a tour), from the outside on the body influencing event, which leads to a health damage or to death. Usually events, which influence longer than a tour, are not regarded no more than "“accident"”.
• Concrete performing must have been causal for the accident (adhesion-justifying causality) in the sense of the theory of the substantial condition, which is prevailing in the social right: A condition is substantial in this sense, if after the opinion of the daily life because of their special relationship with success a substantial meaning for its success a substantial meaning for its entrance comes itself.
• A health damage must be present (against the rules body or mental condition). The body damage the damage of an aid (eyeglasses, prosthesis) is on an equal footing.
• The accident must be a cause for the damage (adhesion-filling out causality).
• The range of the requirement (the achievements) is to be determined.

In particular way accidents

Not only the actual professional activity the activity of sewing the Schneiderin, but also the way to the work and again home is e.g. recognized in principle as insured activity. An accident in connection with a way is called colloquially also way accident. A way accident is present in particular then, if the direct, meaningful way was selected. An interruption or a detour of the way usually terminates the insurance relationship. However the insurance protection can revive with resumption of the way to the insured goal again during a way interruption of less than two hours. Driving communities stand usually just as under insurance protection, as for instance a detour, which is used to bring because of the insured activity in the household of the insured one living children in strange Obhut. In contrast to this no insurance protection exists with the so-called Abweg. In tracing no insurance protection usually exists. Just as little with private activities, only the own interest of the insured one serve and not (also) the interests of the enterprise over that the person employed is not accident-insured (for instance food intake, the stay on the toilet, etc.).

Carrier and procedure

Insurers of the legal accident insurance are the commercial professional associations, the accident cashes of the federation and the countries, the agricultural professional associations.

With a notice of accident are accidents, which to an inability to work caused by an accident of more than three calender dates or death lead to announce to the insurers within three days. The accident insurance carriers of an accident in most cases experience by a report of the passage physician. The general medical profession and orthopedists, announce the accident likewise, have to the patient however a passage physician to transfer, to a in need of treatmentness of more than one week or to inability to work.

Many employers try to induce their coworkers to an activity on a lighter welfare job since with the number of the compulsorily notifiable accidents also the annual contribution rises to the professional association, which over the danger tariff after the typed accident risk in the industry is limited.

As far as an examination results in the fact that an industrial accident is present is to be furnished appropriate achievements from medical costs to the pension in the case of serious accident sequences of the responsible accident insurance carrier from office ways to, i.e. there is not a request principle.

Austria

An industrial accident is present, if someone suffers an accident in the course of its vocational activity. Similarly as in Germany counts also an accident of and to the working place as way accident as industrial accident.

The distinction to a leisure accident lies particularly in a differentiated treatment concerning insurance benefits. While a leisure accident victim is usually cared for and compensated by the social security, the achievements are settled with an industrial accident by the general institute for accident insurance. This accident insurance has to meet preventive measures apart from the task of insurance also, in order to prevent industrial accidents.

A further difference is present also regarding permanent damages or with disablement than consequence of the industrial accident. Thus by the accident insurance accident benefits or re-education measure names for another occupation are accomplished.

The accident insurance is financed by a contribution of the employers at a value of up to 2% of the gross salary.

Members of freiwilligen fire-brigades represent an exception. Accidents in the fire-brigade service are on an equal footing industrial accidents, although firefighters are not service takers in the legal sense.

See also

• Occupational illness

Related links

• SGB VII - see in particular "§ 8 SGB VII

Articles in category "Industrial accident"

We found here 10 articles.

Related Websites

We found here 5 related websites.

• Department of Industrial Accidents
  Conciliation · Industrial Accident Board · Reviewing Board · Impartial Medical Unit · Operations · Health Care Services Board · Office of Health Policy ...


• IAPA
  IAPA, Industrial Accident Prevention Association, is a not-for-profit organization helping Ontario businesses achieve safe and healthy workplaces.


• IAPA
  IAPA, Industrial Accident Prevention Association, is a not-for-profit organization helping Ontario businesses achieve safe and healthy workplaces.


• Industrial Accidents
  United Nations Economic Commission for Europe Official Web Site.


• International Association of Industrial Accident Boards and ...
  A not-for-profit trade association representing government agencies charged with the administration...