Accidents at Work & Occupational Illnesses insurance. Monaco Law at the time of digitalisation
Accidents at Work & Occupational Illnesses insurance covers the risks of accidents at work, commuting accidents and occupational illnesses incurred by your employees in the course of their professional activity.
Thanks to its expertise, Suisscourtage supports you in the management of this risk on a daily by providing you with innovative and digital services.
You have dedicated and secure online access from your customer area.
The main features available to you are:
ONLINE DECLARATION
• Detailed electronic declaration that opens the claim with the insurer.
• Automatic creation of the multi-sheet document for the Public Security and other State services.
• Creation of documents in electronic format.
• Option of sending your administrative documents.
MONITORING AND MANAGEMENT OF CLAIMS
• Display of open and closed claims.
• Monitoring of benefits paid: daily allowances and medical expenses.
• Data download.
• Sending of additional documents.
ACCOUNTING
• Annual payroll declaration by employee category.
• Online payment of premiums (possible for all policies).
Complete, dynamic and practical tool that complements the support from our teams who are at your side throughout the year.
Finally, on request or during a meeting, our specialists will help you better understand and manage your scheme by providing you with detailed statistics and advice on prevention.
Under certain conditions, the employer guarantees maintenance of salary to an employee on sick leave. Be aware of occupational risks and prevention issues. The multidisciplinary occupational health services team advises the company on this aspect and ensures the medical follow-up of employees.
In the event of sick leave, the employee receives additional compensation from their employer. Regulatory provisions govern the sick leave conditions. Work incapacity refers to the state of a person who is temporarily or permanently unable to work or perform certain work-related tasks. A work or commuting accident is considered to be any accident to an employee or a worker for one or more employers which occurs owing to or in the course of work, in any capacity or in any place whatsoever. Some of the new provisions reinforce the relationship between the attending physician, the medical adviser and the occupational physician. A commuting accident is an accident resulting in an injury to an employee that occurs during the journey made between their residence and place of work, their place of work and the location where the employee goes during their meal break. After an accident at work, you may be assigned a permanent disability rate. It opens the right to compensation or an annuity. When your employment contract is suspended due to non-occupational illness, you can benefit from daily allowances. The declaration of an accident at work must be made upon learning of the work accident. The waiting period is the period that elapses between the opening of a right and the payment of the corresponding benefits. In the event of sick leave, the employer must send a salary certificate to the employee’s primary health insurance fund. Any victim of an accident can benefit from compensation. The Caisse d’Assurance (Insurance Fund) ended the year on a rather positive note. The Caisse d’Assurance Maladie (Health Insurance Fund) receives your care reimbursement requests and sick leave declarations. We provide you with the contact details for the office of the Caisse Primaire d’Assurance Maladie (Primary Health Insurance Fund). In France, health insurance is one of the four social security branches. The duration of compensation is calculated on the basis of the days worked counted in the membership reference period. An occupational illness results from a person’s exposure to a risk at their workstation. The Social Security system ensures certain financial resources are provided as necessary as well as giving access to essential needs for certain citizens entitled to it. Sick leave is when the employee’s state of health prevents them from carrying out their activity, according to their doctor. Sick leave must be reported promptly to the employer and to Social Security. A work accident is an accident occurring in the course of the exercise of a profession.
