The legal accident insurance (UV) is a component (branch of insurance) of the arranged social security. It has its basis in the social legislation VII as well as the occupational illness regulation (BKV), issued in its execution. The accident insurance was introduced for the first time to the framework of the Bismarck social legislation ("“worker insurance"”) to 1 January 1885. See also: History of the social security in Germany.

More insured

In the legal accident insurance it is insured who

• obligation-insured is, thus
  • Busier,
  • Child, who visits a or a kindergarten,
  • Pupil,
  • Student,
  • The one which can be trainee,
  • Employee,
  • Farmer,
  • Aid with accidents,
  • Civil defense aid or disaster control aid or
  • Blood donor or organ donor is, or who
• voluntarily insures and
  • Entrepreneur,
  • More independently or self-employed persons or
  • cooperating spouse is.

Obligation-insured it does not mean to pay here that the insured ones are obligated, a contribution (this takes over in each case the institution, which visits the Versicherte regularly, thus e.g. the employer), probably however that the accident insurance carrier is obligated to carry out in the accident.

These persons are generally not universally insured, on the contrary the achievements of the legal accident insurance are attached to further conditions:

Accident

Insured risks of the UV are industrial accident including way accident (accident on the direct way of or to the place of the insured activity, usually to the residence of the insured one and back) as well as occupational illness (so far recognized in the occupational illness regulation as such).

"§ a legal definition of the accident offers 8 SGB VII. From this an industrial accident is the accident of an insured person in consequence the insurance protection justifying activities insured in the SGB VII. Whereby the health damage must be attributed legally substantially to the accident.

After sentence 2 "§ 8 SGB of the VII are accidents temporally limited from the outside on the body influencing events, which lead to the body damage or death

Achievements of the accident insurance are essentially medical and occupation-promoting achievements to the rehablitation as well as lohnersatz and/or compensations in money (hurting money, hurting pension, survivor's pension).

Endangerment of the insurance protection

A possible reason for the loss of requirements in way accidents is the deviation from the way between dwelling and job. The insurance protection can be endangered in addition, if exceeded a daily work time of 10 hours, however by the insured one correctly is deliberately not seized. The excess of maximum work times is only one irregularity, which does not endanger the insurance protection. Only deliberate wrong data and deliberate increase of the insured risk can lead to an endangerment of the insurance protection and criminal consequences.

Tasks

To the tasks of the carriers of the UV also the consultation and supervision of the member enterprises in the area of the industrial safety, the accident prevention and the health protection of the employees apart from the grant from achievements to entrance of the accident (prevention) belong; here the carriers become partly the UV cooperating with the authorities of the national supervision of trade actively. Also the calculation of the contributions after the danger of accident of the branches of industry serves prevention.

Carrier

The carriers of the accident insurance in Germany are:

• Commercial professional associations. Altogether 26 commercial professional associations (arranged according to branches of industry), including the sea-professional association.

• Agricultural professional associations. 9 regionally arranged agricultural professional associations, including the horticulture professional association.

• Accident cashes and fire-brigade accident cashes. More than 30 accident insurance carriers of the public hand for authorities and enterprises of the federation, which transacts countries and municipalities, as well as for universities, schools and kindergartens, assistance enterprises such as fire-brigades, life rescuers and honorary

The professional associations standing under national supervision are bodies of the public right and have the right to administer itself.

Financing

The accident insurance financed by contributions (reallocations) of the member enterprises in an additional allocation procedure (annuity).

The height of the contribution depends within the range of the commercial accident insurance after the pay sum as well as on the danger class, to which the entrepreneur was assessed. The danger class is determined in each commercial professional association of the representative meeting in their danger tariff ("§"§ 157 SGB VII). The contributions are furnished alone by the entrepreneurs (employers) ("§ 150 paragraph 1 SGB VII). The contribution height depends thereby among other things also on the height of the pay paid off at the employees, total wages in such a way specified ("§ 153 SGB VII).

The agricultural accident insurance is financed from contributions, which depend on the size of the managed surface and the number of animals held.

The accident insurance of the public hand is financed from tax proceeds.

Payments in cash

When being present an accident in the sense of the SGB VII the following payments in cash can be possible:

• Hurting money
• Hurting pension
• Survivor's pension
• Refunding of transfer costs
• Death benefit
• Increased output for honorary active ones
• Aid

Contributions of equipment

Beyond that have Versicherte an extensive requirement on contributions of equipment, in particular sharing achievements, care, patient treatment and aids. The requirement goes every now and then far beyond that, which offers the legal health insurance, because all necessary measures must be exhausted by the carrier, in order to repair the earning power of the hurt one. There is no budgeting of the means which can be used. The accident insurance carriers reproach for this special clinics for accident cases, which are particularly for the supply of the victims equipped by industrial accidents and occupational illnesses and ensure a particularly good rehablitation.

See also

• Passage physician

Articles in category "Legal accident insurance (Germany)"

We found here 4 articles.

Related Websites

We found here 4 related websites.

• [A physician's accident during battue and legal accident insurance]
  Med Welt. 1974 Feb 22;25(8):338-9. [A physician's accident during battue and legal accident insurance] [Article in German] Gaisbauer G.MeSH Terms Accidents* ...


• [Evaluation of suicide in legal accident insurance and private ...
  [Evaluation of suicide in legal accident insurance and private insurance] [Article in German] Mollhoff G. The thesis, that suicides are chiefly understood ...


• [Expert assessment of reduced earning capacity in legal accident ...
  1987 Dec;17(6):253-6. [Expert assessment of reduced earning capacity in legal accident insurance following traumatic loss of the spleen] [Article in German] ...


• [Expert evaluation of children and students in legal accident ...
  Unfallchirurgie. 1990 Feb;16(1):41-3. [Expert evaluation of children and students in legal accident insurance] [Article in German] Ludolph E, Hierholzer G. ...