Statutory occupational injury insurance

According to the Social Security Act, occupational injury insurance covers all workers. Self-employed persons are also insured unless they voluntarily choose to be exempted. Benefits are paid when an insured person is injured at work or while travelling to or from work. An injury is not regarded as having occurred in the course of work if it is caused by actions of the injured person which are in no way related to his work. The insurance, however, covers any injury to a seaman aboard his vessel, or when he and his vessel are away from the vessel's home port or the place from which the vessel is operated.

Injuries include diseases caused by the noxious effects of substances, radiation or similar conditions which prevail at most for a few days and which must be attributed to the employment.

Occupational injury insurance benefits comprise medical assistance, per diem benefits, invalidity benefits and death grants.

If an occupational injury giving rise to benefits results in sickness and loss of working capacity for ten days or more, the necessary costs of treatment of the injured person and costs rising out of damage to artificial limbs or prosthetic aids are paid in accordance with the law. If an injury does not cause inability to work for 10 days but nonetheless gives rise to expenses, such expenses may be paid to the extent that they are not paid through health insurance (2015).

For further info: Social Insurance Administration