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Accidents at Work

Accidents at Work

Workplace Accident Insurance guarantees compensation for damages suffered in the event of an accident occurring during working hours or on the way to and from work.

It is compulsory by law, and the employee is protected, for example, against temporary or permanent incapacity caused by the exercise of the professional activity.

Coverage

Benefits in Kind (no value limit):

  • Medical/surgical assistance, diagnostic elements and home visits;
  • Medication and pharmaceutical assistance;
  • Hospitalisation and spas;
  • Accommodation;
  • Transport for observation, treatment and judicial acts;
  • Technical devices to compensate for functional limitations and their renovation/repair;
  • Rehabilitation, professional reintegration and workplace adaptation services;
  • Medical and functional rehabilitation services for active life;
  • Psychotherapeutic support for the family;

Cash instalments:

  • Compensation for Temporary Disability*.
  • Provisional pension*
  • Compensation in the form of a lump sum or pension for Permanent Disability *.
  • Allowances for severe permanent disability, death, funeral, rehabilitation of accommodation and professional rehabilitation for reintegration into the labour market **
  • Death pension *
  • Supplementary benefits in respect of assistance from third persons ***

* Based on insured salary ** Based on IAS (Social Support Index)

Care to be taken

  • Ensure, both on the date of conclusion of the contract and at any time during its term, everything that the law considers to be an integral element of the remuneration, including the equivalent to the value of food and housing, when the insured person is entitled to these, as well as other benefits in kind or money that have a regular nature and are not intended to compensate the insured person for random costs, and also holiday and Christmas bonuses.
  • If you have employees working abroad you must inform your Intermediary/Insurer, as well as when employees travel to member countries of the European Union for periods of more than 15 days or to any other country regardless of the duration of the trip. If you do not do so, employees may not be covered by the insurance.
  • If your employees work on rest days, holidays and outside normal working hours, you must inform your mediator/insurer.
  • If the insurance policy is taken out under the "Fixed Premium" method, you must inform your Broker/Insurer in advance whenever there is a change in salaries and/or inclusion/exclusion of employees.
  • If the policy is taken out under the "Variable Premium" modality, you must mandatorily send your mediator/Insurer the holiday sheets with a breakdown of all employees and salaries by the 15th of each month, with the information relative to the month immediately before.

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Workplace Accident Insurance is a mandatory insurance. Check here the respective clauses.

With the publication of Law 98/2009, the legal framework of the compulsory Occupational Accident insurance, as of 1 January 2010, is once again updated. A decade after the entry into force of Law 100/97 and respective regulations, a new level of security for the worker in the field of professional rehabilitation and reintegration in the event of an accident is now regulated.

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If you wish to check the formulae for calculating compensation, please go to here.

The information contained in this website is merely indicative. The rights and obligations of the parties are defined in the Proposals, Conditions Special and General applicable terms of the respective insurance policies contracted.