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Accident insurance is a type of insurance where the policy holder is paid directly in the event of an accident resulting in injury of the insured. The insured can spend the benefit payment however they choose. Accident insurance is complementary to, not a replacement for, health insurance.
A work accident, workplace accident, occupational accident, or accident at work is a "discrete occurrence in the course of work" leading to physical or mental occupational injury. [1] According to the International Labour Organization (ILO), more than 337 million accidents happen on the job each year, resulting, together with occupational ...
Dangerous tasks are common in the construction workplace. Workers' compensation or workers' comp is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
An occupational injury is bodily damage resulting from working. The most common organs involved are the spine, hands, ... Vehicle accident injury depression.
In the EU, for example, some member states promote OSH by providing public monies as subsidies, grants or financing, while others have created tax system incentives for OSH investments. A third group of EU member states has experimented with using workplace accident insurance premium discounts for companies or organizations with strong OSH records.
The Workers' Accident Insurance system put into place by Otto von Bismarck in Germany in 1884 is often cited as a model for the rest of Europe and later the United States. [5] In the late 19th and early 20th century, U.S. policymakers, journalists, and social scientists convinced of the need for a compensation law disagreed over whether the ...
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Statutory occupational accident insurance is among the oldest branches of German social insurance. Unlike health, long-term care, pension and unemployment insurance, statutory occupational accident insurance is contribution-free for those insured. The costs for comprehensive insurance coverage for prevention and rehabilitation are borne by ...