Tag Archive: Social Accident Insurance

Accident insurance cover applied during departmental Christmas celebration without management

The Federal Social Court (Bundessozialgericht) decided on 05 July 2016 (Az.: B 2 U 19/14 R) that participation in a works communal event is also covered by accident insurance cover if it is carried out by the management of the subject area. Contrary to former case law, personal participation of management is no longer necessary …

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No accident insurance cover between home office and kitchen

The Federal Social Court (Bundessozialgericht) decided on 5 July 2016 (Az.: B 2 U 2/15 R) that an accident on the way from the home office to the kitchen in an employee’s apartment to have a glass of water does not qualify as a workplace accident and is thus not covered by the statutory accident …

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A trip to the drycleaners is no workplace activity

A trip to the drycleaners during an employee’s lunch break is not covered by the German statutory accident insurance relating to accidents at the workplace (judgment by the Higher Regional Social Court of Hessen dated March 24, 2015, docket number L 3 U 225/10). Under German law, employees are protected by statutory accident insurance during …

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Work hard, play harder?

The decision whether an accident is of an occupational nature or not often becomes important for employees desiring coverage under statutory accident insurance. Generally, occupational injuries pursuant to sec. 8 subsec. 1 Social Insurance Code VII (Sozialgesetzbuch VII, SGB VII) require a substantial causal relationship between the accident and the insured activity. This relationship is …

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Lunchtime break – beware!

The Higher Social Court (Landessozialgericht, LSG) Baden- Württemberg (December 13, 2013 – L 8 U 1506/13) has ruled that an accident that occurred during a lunch break from work, but outside of the workplace, was not a work-related accident.  The plaintiff in this case was having lunch in a canteen at a neighboring bank as …

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