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Old 31.05.2010, 16:52
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Re: Unfallversichrung (accident insurance), who has to pay for this?

Accident insurance is a dual system: "Betriebsunfall" (accidents at work) and "Nichtbetriebsunfall" (accidents off work). The employer is obliged to pay the premiums for Betriebsunfall but NOT for Nichtbetriebsunfall. Decent employers pay both premiums. I don't know about "Lohnausfall" that should be part of the accident insurance. Some insurers don't pay salary compensation from day one of an accident. To cover these first unpaid days of an accident employers are free to insure that risk as well.
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