A travel accident is an ACCIDENT
(a sudden and unforeseen external event that results in injury or death)
sustained by an individual during INSURED TRAVEL
(direct route of travel, reasonably direct route if travelling by motor vehicle, routes taken by public transport, 'detour' routes taken for dropping off or picking up his/her children at/from daycare, all official work-related travel)
TO and FROM WORK.
Accidents caused purposely by employees and accidents that occur solely due to the employees being intoxicated or undertaking non-work related activities are not covered by occupational accident insurance.
Employees are not covered by occupational accident insurance during:
- „Detours“ to undertake non-work related activities (e.g. doing the shopping, refueling ),
- Travel beyond their destination for the purpose of undertaking non-work related activities
- Travel in directions other than towards work or home for the purpose of undertaking non-work related activities
- A travel accident must be reported if the injury sustained in the accident resulted in medical costs, if the staff member is unfit for work for more than three calendar days as a result of the injury or if the accident led to the death of the staff member. – cf. accident reporting