Am I covered for Accidents?

Accident insurance is compulsory for all workers. It covers not only accidents at work and occupational illnesses but also accidents which do not arise out of or in the course of employment. The insurance premiums for accidents at work and occupational illnesses are paid by the employer, those for accidents unconnected with the employment are automatically deducted from the employee’s wages. Accident insurance covers the cost of medical treatment; a daily allowance is paid from the third day of sickness, and later possibly a pension. Part-time employees who work for the same employer for less than 12 hours a week are only insured against accidents at work or on the way to work but not against accidents unconnected with their employment. In the event of illness or accident the insurance company and the employer must be informed immediately.