Occupational accidents are accidents that insured persons suffer while performing their work or on business trips. For example, a co-worker falls over a cable in the office, gets her hand stuck or you have an accident on your hub shift.
The main criterion is that the activity during which the accident occurs is objectively related to business and not to private purposes.
With whom are we insured?
The Berufsgenossenschaft Handel und Warenlogistik (BGHW) is the statutory accident insurance institution for Flink SE and its employees.
The BGHW is responsible for damage to health and also for damage to medical aids.
âWhat benefits does the BGHW offer in the event of an occupational accident?
If an insurance case exists, BGHW provides the following benefits, among others, depending on the individual case:
Treatment and medical rehabilitation
Injury benefit
Benefits to participate in working life
Transitional allowance
Benefits for participation in life in the community and supplementary benefits
Insured person's pension
Nursing care
Bereavement benefits and death grants
How to report an accident at work
If you had an accident, we will of course report the accident to our insurance company BGHW.
We require essential information about the accident's location, the circumstances surrounding it, and any medical treatment received or sought.
â
Please send an email to [email protected] and state the following information:
your name
health insurance fund
date and time of the accident
accident description (as detailed as possible)
Have you injured yourself? If yes, where?
Have you seen a doctor?
Please attach any documents such as sick notes, that are related to your accident.
Please inform your manager about your accident as well.
Finding a Transit Doctor (Durchgangsarzt)
In the event of a work accident in Germany, you must generally see a Transit Doctor (Durchgangsarzt). These are specialists specifically authorized by the accident insurance institutions to treat occupational injuries.
To ensure you always have access to the most current information, please use the official search tool to find a Transit Doctor near you:
đ Find a Transit Doctor: DGUV Diva-Online Search
Using this link ensures you are looking at the most up-to-date list of authorized physicians should any doctors retire or change their practice.
Q&A
In which case am I insured via Flink?
You are insured on the direct way to work, on-site and back.
â
âAm I insured if I go to work despite being on sick leave?
In principle, you can resume work early despite an existing incapacity for work. You are then no longer considered incapacitated for work and there is protection via the statutory accident insurance.
Of course, you are entitled to stay away from work for the entire duration of the sick leave.
Early return to work always requires voluntariness and your consent.
â
âAm I insured during my break?
On the way to getting food that leads out of the establishment, e.g. to a restaurant, home or a pub, are generally insured.
âAre business trips insured?
Yes, if you are traveling on business, you are covered by the Employer's Liability Insurance Association in the event of an accident just like your colleague while working at the company and on the way to work.
Insurance cover is always provided if you are engaged in activities which were decisive for the start of the business trip and which are inevitably closely connected with the trip.