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Accident Insurance

Accident insurance is compulsory insurance of employers, that should protect the employer from the risk of economic burden in the case of his liability for accident or death as a result of an accident at work or occupational disease to his employee, which results from the Labour Code. Unlike the sickness insurance and old-age insurance, the compulsory accident insurance is tied to an employer who is in the position of an insuree, who pays his accident insurance premiums. The accident insurance arises to the employer from the date on which at least one natural person has been employed (see Beneficiaries in an accident insurance), and ceases on the day when no natural person is employed anymore. The current legal regulation no longer has the character of compensation for damages, but it is conceived as an insurance system of compensation. Some accident benefits are of a superstructural character to pension benefits (invalidity pension) or to sickness benefits (sickness benefits), which is also reflected in the conditions for entitlement to such accident benefits or for payment of such accident benefits and the determination of their amount.

After the fulfillment of the statutory conditions the Social Insurance Agency shall provide the following 13 accident benefits, of predominantly monetary nature:

  1. accident surcharge;
  2. accident rent;
  3. lump-sum settlement;
  4. survivor's accident rent;
  5. lump-sum indemnity;
  6. occupational rehabilitation (benefits in kind) and rehabilitation benefit;
  7. retraining (benefits in kind) and retraining benefit;
  8. pain relief and compensation for deteriorated social assertion;
  9. reimbursement of costs associated with treatment;
  10. reimbursement of costs associated with funeral.