What is accident insurance in Germany and who pays for it?

Accident insurance (Unfallversicherung) is part of the statutory social security contributions. If an insured person has an accident at work or suffers from an occupational illness, statutory occupational accident insurance covers the resulting cost.

Introduction

 

Germany has a unique system of worker's compensation that covers workplace injuries and illnesses. This is called accident insurance. It pays you an amount of money equivalent to part of your salary while you are recovering, and it’s paid for by both the employer and the employee. In addition, there are also specific laws governing when workers have an obligation to report their injuries if they were caused by dangerous working conditions. These specific laws vary depending on what type of work is being done, who owns the business, or how many employees are employed there. For example, someone working in construction is more likely than others to be injured due to unsafe conditions because their job involves using heavy tools that can cause damage if mishandled.
Conversely, someone who works at home would not normally be subject to such strict reporting requirements because they don't share any common workspace with co-workers nor do they have anyone else around them while performing their duties."

The employer pays accident insurance premiums for all employees.

In Germany, the employer is responsible for all accident insurance premiums. The employee does not have to pay any premiums. The employer pays 100% of the premiums for all employees. This includes part-time workers, even if they work less than 30 hours per week. If you are self-employed, your own company will have to pay accident insurance premiums on your behalf.
The employee pays no accident insurance premiums.

In the event of an accident, the worker is entitled to benefits that pay a percentage of their salary while they are recovering.
Accident insurance is a mandatory benefit for all employees in Germany, and it is paid for by the employer. In the event of an accident, the worker is entitled to benefits that pay a percentage of their salary while they are recovering.

The amount paid depends on how much you earn, the type of work, and how long you have been working at that company.

If you are employed by an employer who pays accident insurance premiums on your behalf, then your employer must pay 80% of the total cost of paying out compensation for an accident or illness. You will pay 20%. This means if your salary is 1,000 euros per month then:
If someone gets hurt at work and receives 100% compensation (this includes medical fees), their employer would pay 880 euros (880 x 0.8 = 720) and they would receive 120 euros (120 x 0.2 = 24).

• For example, a worker who is 64 years old and earns EUR 3,000 per month will be eligible for 70 percent of that salary while recovering from an accident if they have worked at their current job for 0-5 years. That benefit jumps to 75 percent after working 6-10 years, 80 percent after 11-15 years and 90 percent after 16 or more years at the same job.

Benefits are also reduced by 50 percent if you are between ages 55 and 64 and receive unemployment benefits during your recovery period (unless you were receiving them before becoming ill).

Conclusion

In the event of an accident, the worker is entitled to benefits that pay a percentage of their salary while they are recovering. The amount paid depends on how much you earn, the type of work, and how long you have been working at that company. For example, a worker who is 64 years old and earns EUR 3,000 per month will be eligible for 70 percent of that salary while recovering from an accident if they have worked at their current job for 0-5 years. That benefit jumps to 75 percent after working 6-10 years, 80 percent after 11-15 years and 90 percent after 16 or more years at the same job