Work Accidents Insurance is compulsory by law, both for employees and self-employed workers.
Its purpose is to compensate the consequences of the accidents that occur to workers during the performance of their professional activities, which are not the responsibility of the Social Security.
The accident that the worker suffers as a consequence of the work and that causes him/her bodily injuries, functional disturbances or illnesses that result in a reduction of his/her work capacity or gain or death.
It also covers, in particular, situations in which workers are victims of accidents during the commute to and from work.
Employers, whether natural or legal persons, with workers providing them service, with a permanent or temporary link, whether full-time or part-time. Self-employed workers are also required to take insurance.
The Work Accidents Insurance covers two types of legal compensations:
1. The so-called cash benefits, calculated on the basis of the workers’ wages and covering inter alia compensation for temporary or permanent disability; life annuities due to reduction in the work capacity or gain; supplementary provision for assistance by a third-party; subsidies for extensive permanent disability, for re-adaptation of the household and for death and funeral expenses; pensions to the next of kin due to the death of the victim of the accident.
2. Benefits in kind, without any capital limit, covering all medical, surgical, pharmaceutical and hospital assistance and any other services that are necessary to the injured person to recover the state of health, including accommodation expenses, transportation, as well as prostheses, provided that they are necessary for the victim in order to recover the state of health and the capacity to work and earn a wage, and his/her functional rehabilitation.