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Apply for, change or cancel voluntary insurance or supplementary insurance with statutory accident insurance

Statutory accident insurance covers you against accidents at work and commuting accidents as well as occupational illnesses. As an entrepreneur, self-employed person or volunteer, you are generally not covered by statutory accident insurance. However, you can take out voluntary insurance.

This also applies to

  • spouses (wives and husbands) or life partners who are not employed by the company,
  • Persons who work as entrepreneurs. These are persons who work in corporations or commercial partnerships (GmbH, KG, GmbH & Co. KG):
    • either hold at least 50% of the company's share capital as a shareholder-managing director or can prevent all decisions by other shareholders in accordance with the provisions of the articles of association
    • or, as a non-managing partner, hold more than 50% of the company's share capital or are able to prevent all resolutions by other shareholders in accordance with the provisions of the articles of association.

There are cases in which entrepreneurs are covered by statutory accident insurance. Volunteers may also be compulsorily insured in certain cases, for example in the healthcare sector. If this applies to you, you can take out supplementary insurance. This allows you to adjust the benefits to your personal needs in the event of an insured event.

The employers' liability insurance associations and accident insurance funds regulate the details of the insurance, such as contributions and the calculation of cash benefits.

If you are voluntarily insured in this sense or have taken out supplementary insurance, you can change the sum insured at any time.

The employers' liability insurance associations and accident insurance funds set the upper and lower limits of the sum insured. The chosen sum insured should correspond to your actual income. It is the basis for calculating contributions and cash benefits such as injury benefit and pensions.

The insurance begins on the day after your application is received by your employers' liability insurance association or accident insurance fund.

An application is required to apply for, change or terminate voluntary insurance or supplementary insurance.

A change or termination is possible at any time.

You can choose the date of termination. If you do not specify a date, the insurance ends in the month in which the notice of termination is received by your employers' liability insurance association or accident insurance fund.

Retroactive termination is not possible.

In certain cases, no notice of termination is necessary, but the voluntary insurance or supplementary insurance expires automatically, for example in the event of

  • unpaid contributions,
  • Change of employer's liability insurance association or accident insurance fund,
  • discontinuation of the company,
  • the insured person leaves the company or
  • death of the insured person.

  • Voluntary accident insurance with statutory accident insurance Authorization
  • only in exceptional cases are insured by law:
    • Entrepreneurs and their employees
      • spouses (wives and husbands) who work for them or their
      • life partners
    • and persons similar to entrepreneurs
  • However, statutory accident insurance offers the option of voluntary insurance
  • Voluntary insurance or supplementary insurance is possible for the following groups of people:
    • self-employed persons and entrepreneurs who are neither insured by law nor by statute,
    • their assisting spouses or life partners
    • persons similar to entrepreneurs: Persons who are members of corporations or commercial partnerships (GmbH, KG, GmbH & Co. KG):
      • either as a shareholder-managing director with at least 50% of the company's share capital or who can prevent all resolutions of other shareholders in accordance with the provisions of the articles of association
      • or as a co-partner without an executive function hold more than 50% of the company's share capital or are able to prevent all resolutions by other partners in accordance with the provisions of the articles of association
    • Volunteers in non-profit organizations
    • Persons in association committees and commissions for employer organizations of public institutions
  • The maximum or minimum sum insured is defined by the statutes of the employers' liability insurance associations and accident insurance funds.
  • The sum insured can be freely selected and changed within these limits.
  • Applying for, changing and terminating voluntary insurance or supplementary insurance online or by post
  • Costs: none
  • Processing time: 1 to 2 weeks
  • Responsible:
    • for commercial companies: Employer's liability insurance associations (organized by sector)
    • for public companies and educational institutions: Accident insurance funds (organized by region)

  • for self-employed persons and entrepreneurs, their assisting spouses or partners, as well as persons similar to entrepreneurs:
    • Proof of income, e.g. income tax assessment notice
  • For volunteers, the following documents may be required:
    • current version of the articles of association or partnership agreement of the non-profit organization
    • Proof of the non-profit status of the organization
    • Proof of election to an official office or appointment to a prominent position
    • Proof of its or their unpaid exercise
  • depending on the reason for the end of the insurance, documents are required to prove that the conditions for voluntary insurance or supplementary insurance are no longer fulfilled. For example:
    • current version of the articles of association
    • Proof that the company has ceased trading
    • Proof of death of the insured person

For voluntary insurance or supplementary insurance

  • you must be self-employed as an entrepreneur or work like an entrepreneur
  • you must not be compulsorily insured (such as midwives or physiotherapists).

As a person working on a voluntary basis, you only have the option of voluntary insurance if

  • you are not subject to compulsory insurance and
  • the responsible accident insurance institution offers voluntary insurance,
  • you work for a non-profit organization,
  • you have been elected to an official office or have been entrusted with a prominent task.

There are no costs.

You can apply to change and cancel your voluntary insurance or supplementary insurance online or by post.

Online service:

  • Call up the online service.
  • You will be guided through the process on the accident insurance service portal.
  • You can log in.
    • If you would like to receive a reply from your Berufsgenossenschaft or accident insurance fund in the mailbox of your BundID account or My Company Account, you must have an account and authenticate yourself.
    • If you would like to receive the reply by post, you can continue without registering.
  • Select your responsible employers' liability insurance association or accident insurance fund or find them using the industry search.
  • Upload the required documents.
  • Complete the online form and send it off.
  • Your notification will be automatically forwarded to your employers' liability insurance association or accident insurance fund.
  • You will receive feedback via the desired channel.

Online service of your employers' liability insurance association or accident insurance fund:

  • If you have access to the portal of your employers' liability insurance association or accident insurance fund, you can also submit the notification electronically there if necessary.

Message by post:

  • Send an informal letter to your employers' liability insurance association or accident insurance fund.
  • Make sure you provide the required information and enclose the necessary documents.

Note: Some employers' liability insurance associations and accident insurance funds provide a suitable form on their websites.

  • Download it from your employer's liability insurance association or accident insurance fund and fill it out.
  • Then send it with the required documents by post or via the online portal to your employers' liability insurance association or accident insurance fund.

Processing time: 1 - 2 Weeks

There is no deadline.

  • Appeal
  • Detailed information on how to lodge an appeal can be found in the notification from your employer's liability insurance association or accident insurance fund.

Forms available: Yes (partially)

Written form required: Yes

Informal application possible: Yes

Personal appearance necessary: No

Online services available: Yes

There are no indications or special features.

Forwarding service: Deep link to the original portal

German Social Accident Insurance (DGUV)

The text was automatically translated based on the German content.

Source: Serviceportal Saarland