A fall on your bike on the way to work, a mishap during sports lessons at school or an allergy to a certain substance at work: these are all cases for the employers’ liability insurance association (BG). They are the statutory accident insurance institutions and are therefore responsible for work and commuting accidents as well as occupational illnesses. The BG ensures that the person concerned receives good medical care and, in serious cases, rehabilitation and financial support. There are employers’ liability insurance associations for various sectors of the private sector. In the public sector, the accident insurance funds or the municipal accident insurance are responsible.
All employees are insured at work and on the way to work. However, children in kindergartens and day nurseries, schoolchildren, volunteers and mini-jobbers are also covered by the BG. Under certain circumstances, this even applies to people who care for family members free of charge. In contrast to health insurance, for example, only employers pay contributions. The employers’ liability insurance associations also ensure occupational health and safety in companies. Their aim is to prevent accidents at work and occupational illnesses.
How does the employers’ liability insurance association find out about an accident? Doctors are obliged to report work and commuting accidents to the relevant employers’ liability insurance association. If employees are ill for more than three days after an accident at work, the employer must also take action. In the case of particularly serious injuries, patients are also treated in 13 of the employers’ liability insurance association’s own clinics. One of these is also located in Tübingen. “In the treatment of people with spinal cord injuries and severe burns, the BG clinics make a significant contribution to overall care in Germany,” says the website of the umbrella organization of the German Social Accident Insurance.
The employers’ liability insurance associations also help with occupational illnesses—in other words, when someone becomes so seriously ill due to their job that they can no longer work in the profession they have learned. This is done through rehabilitation, but also through retraining or qualifications.
Further information can be found on the DGUV website: https://www.dguv.de/de/bg-uk-lv/bgen/index.jsp
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Die BG Klinik Tübingen wird von den gesetzlichen Berufsgenossenschaften und Unfallversicherungen getragen. Foto: tünews INTERNATIONAL / Mostafa Elyasian.
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