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Social Accident Insurance System in Germany Successful since 125 years! Helmut Ehnes SAFETY FIRST - 2013 FORUM Ulaanbaatar, Mongolia 27 / 28 February 2013
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[21] BG RCI-German Social Accident Insurance System_Helmut Ehnes

Apr 03, 2018

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Page 1: [21] BG RCI-German Social Accident Insurance System_Helmut Ehnes

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Social Accident InsuranceSystem in Germany

Successful since125 years!

Helmut EhnesSAFETY FIRST - 2013 FORUM

Ulaanbaatar, Mongolia27 / 28 February 2013

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RISKS

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every year

337 Millionaccidents at work

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Foto:Polarlys/Bettenburg

every year

358.000fatal accidents at work

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every year

1.95 Million 

fatal occupational diseases

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The InternationalLabour Organization (ILO)

requires Social Security byConventions.

Recommendations. Protocols.

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The International SocialSecurity Association (ISSA)

supports Countries and theirSocial Security Institutionsto meet those Aims.

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Social Accident InsuranceSystem in Germany

Successful since 125 years!

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Bismarck

founded theGerman Social

Insurance Systemin the 1880’s 

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3/14/2013SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia

27 / 28 February 2013Page 10STRUCTURE

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AccidentInsurance 

Contributionsfrom Employers 

PensionsInsurance

Un-employment

Insurance 

Nursingand CareInsurance 

HealthInsurance 

Contributions fromEmployers and Employees

German Social Insurance

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Contributions fromEmployers and Employees

PensionsInsurance

HealthInsurance 

Nursingand CareInsurance 

Un-employment

Insurance 

AccidentInsurance 

German Social Insurance

Contributionsfrom Employers 

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ORGANIZATION

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Organization of theSocial Accident Insurance

BG´s: Accident Insurance Institutionsfor Industry and Trade

Unfallkassen: Accident Insurance Institutionsfor the Public Sector

Agricultural Social Insurance

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Construction

Energy

Health &Welfare

Trading

Sector Specific Organization of the BG´s

Traffic &

TransportMetal & Wood

Administration

Mining &Chemicals

Food & Hotels

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health andwelfare services

Sector Specific Organization of the BG´s

Construction

Energy

Health &Welfare

Trading

Traffic &

TransportMetal & Wood

Administration

Mining &Chemicals

Food & Hotels

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MEMBERSHIP

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Every Employer has to be a Memberof the Social Accident Insurance

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EmployersEmployees

The Liability Principle 

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SOCIALPARTNERS

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Responsibility of the Social Partners(Self-Government)

• Independent self-governing body

• Assembled equally by employersand employees

• Controls and supervises theadministration of the social

accident insurance• Reports to the government

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EmployersEmployees

Representatives Council

elect

Board

elect

Institutions of Self-Government

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Responsibilities of theRepresentatives Council

• Election of the Board

 Election of the Management • Statutes

• Accident Prevention Regulations

• Risk Index

• Budget Plan• Staff Plan

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Responsibilities of the Board

• Prepares Resolutions of theRepresentative Council

• Draws up the Budget Plan

• Defines the Staff Planning

• Representation of the BG

•Monitors the Management

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INSURANCECASES

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• Occupational Accidents• Commuting Accidents

• Occupational Diseases

What is insured ?

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INSUREDPERSONS

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Who is insured?

• All Employees

• Employers from SME´sin High-Risk Industries

• Employers on aVoluntary Basis

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SERVICES

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3 CoreServices

A

ComprehensiveService

Prevention 

Rehabilitation  Compensation

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PRINCIPLES

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• Prevention before

Rehabilitation• Rehabilitation before

Compensation

• Use all Suitable Means

Guiding Principles

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PREVENTIONSERVICES

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• Consulting and Inspection

• Prevention Regulations

Training and Qualification• Occupational Medicine

• Testing and Certification

Incentives• Information and Communication

Prevention Services

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Rehabilitation Services

•First Aid / Emergency Treatment

•Medical Rehabilitation

•Occupational Reintegration•Social Reintegration

•Quality of Rehabilitation Process

•Home-Nursing

•Medical Treatment and Aids

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Compensation Services

• Injury Benefits(during Medical Treatment andOccupational Rehabilitation)

• Pension Payments for Insured

• Pension Payments for Family Survivors

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FINANCING

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Financing Principles

•BG´s are Non-ProfitOrganisations

•Employers pay 100 % ofContributions

•Contributions are calculatedbasing on the Expenses of the

Previous Year

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Calculation

of Contributions 

• Its Risk Class

• Its Total Wages paid toEmployees

•The Total Expenses of theAccident Insurance

The Contribution of anEnterprise depends on:

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Motivation for Preventionby Calculation of theContributions

•Trades tend to reduce theirSector-Specific Risk Class

•Enterprises tend to avoidMalus Payments and toreceive a Bonus (IndividualBonus / Malus System)

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RESULTS

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Costs of the German Social Accident Insurance(10 Billion Euros)

Administration

10%

Prevention

10%

80%

Rehabilitation,

Compensation

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Contributions

The Average Contribution is stable: 1.3% of the Wages !

1,46 1,36  1,28 

1,32 1,33 1,31 

0,00 

0,20 

0,40 

0,60 

0,80 

1,00 

1,20 

1,40 

1,60 

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Fatal Accidents

498 656 

918 

1326 1208 

394 552 

794 911 

694 

200 

400 

600 

800 

1000 

1200 

1400 

1600 

Fatal OccupationalAccidents

Fatal CommutingAccidents

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Reportable Accidents

1,495,569

1,651,481

1,380,289

931,932 919,025 

0

200,000

400,000

600,000

800,000

1,000,000

1,200,000

1,400,000

1,600,000

1,800,000

2,000,000

1990  1992  1994  1996  1998  2000  2002  2004  2006  2008  2010  2011 

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Reportable Accidents per 1,000 Employees

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51.70

46.58

38.60

24.5227.08

0.00

10.00

20.00

30.00

40.00

50.00

60.00

1990  1992  1994  1996  1998  2000  2002  2004  2006  2008  2010  2011 

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New Pensions for Occupational Accidents

and Commuting Accidents

33,016 37,809 

24,903 

19,237  15,740 

8,289 11,001 

8,082 7,001  5,951 

5,000 

10,000 

15,000 

20,000 

25,000 

30,000 

35,000 

40,000 

45,000 

1990  1992  1994  1996  1998  2000  2002  2004  2006  2008  2010  2011 

Occupational Accidents

Commuting Accidents

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New Pensions per 1,000 Employees 

1.141

1.066

0.696

0.559

0.420

0.267 0.2740.200 0.179

0.137

0.0

0.2

0.4

0.6

0.8

1.0

1.2

1990  1992  1994  1996  1998  2000  2002  2004  2006  2008  2010  2011 

Occupational Accidents

Commuting Accidents

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WINNERS

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Benefits for Employers

• No Claims from Employees

• Rehabilitation and Compensation paid by BG

Successful Prevention creates better Quality,better Image, reduced Costs and Contributions

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Benefits for Employees

• Compensation and Rehabilitation is guaranteed

• Economic Security for the Family

Best Rehabilitation guaranteed• Reduced Risk for Work Accident or Disease

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Benefits for Social Partners

• Solve their own problems

• Guide the work of Accident Insurance

Decide on Investment for Prevention

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Benefits for the Government

• Profits from a Self-financing System

• Support for State Labour Inspection

Profits from a transparent Insurance System

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CONCLUSION

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• By an independent Social Accident

Insurance

• Run by Employers and Employees

• Caring for Compensation

• Caring for Rehabilitation and

Caring for PREVENTION !

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14 March 2013

Dipl.-Ing. Helmut Ehnes

Thank you!

Helmut Ehnes