Minor accidents are "accidents without visit to a doctor". An inability to work or a damage to/loss of a medical aid (visual aid, hearing aid, insulin pump etc. (acc. to § 31 SGB VII sec. 1 „Hilfsmittel“) is not expected. "Accidents without visit to a doctor" must be reported through the first-aid log form.
Such minor accident (e.g. minor cuts, etc.) may bring a severe disease (such as sepsis). In case of a relapse an Accident Insurance Physician Durchgangsarzt) must be consulted and an accident report must be filed.
A work accident is any accident of an insured individual related to insured acitivities, leading to a work inability or a loss of a medical aid (visual aid, hearing aid, insulin pump, etc. (acc. to § 31 SGB VII sec. 1 „Hilfsmittel“)).
Work accident/work inability/medical aid damage
A commuting accidents is any accident of an insured individual that occured on her/his way to the university and back home. Necessary detours are also covered by the insurance:
- Taking children to a daycare.
- Car pools.
- Detours due to road maintenance.
- Alternative safer route to the workplace and back home.
The statuory accident insurance for students and university staff is
Am Mittelfelde 169
Phone +49 (0) 511 87 07-0