[Motivation of the employer for accident prevention and rehabilitation through risk-justified premiums].

Abstract

The Swiss workers' compensation law prescribes experience rating. Successful efforts of an employer to reduce the risk of accidents through adequate preventive measures on one hand, and on the other hand to keep subsequent costs of still occurring accidents low with quick, consistent and generous measures of rehabilitation, will therefore result in a lower insurance rate. The motivating influence and success of this self-responsibility is pointed out with the figures of a trading company who had been detached from a large risk-community due to bad results. The success with accident prevention and the very favourable ratio achievable of costs for medical treatment (as a measure for the severity of the injuries) to daily payments and costs for permanent disabilities is shown with the example of a construction machinery company. What relations and consecutive costs result from (partly conscious) neglect of rehabilitation is demonstrated with the figures of a construction company.