Manage employee accident risks

Occupational accidents and diseases insurance

As an employer, you are obliged to insure your employees with an occupational accidents and diseases insurance policy.

All employees, whether in an employment or public service relationship and, by and large, partners and shareholders working for a company are covered on an obligatory basis. Entrepreneurs are insured with Self-employed persons’ accident insurance. Occupational accidents and diseases insurance is part of social security.

The insurance covers, for example:

• Quick access to treatment and return to work in the event of an occupational accident
• Treatment expenses
• Loss of income
• Compensation for a permanent disability
• Rehabilitation

Accidents happen more often during leisure time that at work. Ensure that your personnel have the opportunity for good and quick treatment. The employee will receive quick medical attention following an accident during non-working hours and will be back at work soon.

The insurance covers, for example:

• Quick access to treatment and return to work in the event of a leisure-time accident
• Treatment expenses
• Loss of income
• Compensation for a permanent disability
• Rehabilitation
• Accidents during sports activity

The insurance is valid everywhere in the world.

In a safe work environment, the conditions for performing work are in order and the work does not have an adverse effect on health. Improving occupational safety is an everyday job. We will help you identify the right measures to prevent injuries while ensuring safe work conditions and employees’ capacity for work.

We have compiled key tips for ensuring occupational safety. If necessary, you can contact our occupational safety experts.

Preventative services
If your company has even one employee, at least preventative occupational health care services must be arranged for him or her.

What is included in preventative services?

• Surveys of the workplace
• Occupational safety cooperation
• Health monitoring
• Support regarding capacity for work
• Guidance to rehabilitation
• First aid training
• Crisis support
• Advice and guidance

Medical care

It is important for the success of your company that you invest in supporting the health and capacity for work of your personnel. 90% of companies have arranged general practitioner level medical care for their personnel in addition to preventative occupational health care services.

What does medical care cover?

• General practitioner level medical care
• Specialist consultations to support capacity for work