Insuring employees on temporary assignments abroad under statutory accident insurance

If your employees work abroad temporarily and the statutory accident insurance is to remain in effect, you usually have to apply for this.

The statutory accident insurance offers companies the opportunity to continue insuring employees even during temporary assignments abroad.

Employees must work abroad for the same company by which they are also employed domestically. In addition, the duration of the assignment abroad must be contractually limited from the outset.

Your company must submit an application for this. Insurance coverage begins on the day the application is received by the employer's liability insurance association or the federal and railway accident insurance institution.

This application is not necessary if insurance cover already exists through other statutory regulations. These include, for example:

• Cases in which the so-called radiation rule of the Social Code applies
• European law provisions
• Social security agreement between 2 or more countries

You can apply for the international health insurance online or by mail.

Online service:

• Access the online service. 
• You will be guided through the process on the accident insurance service portal.
• You can log in.
  • If you want to receive the reply from your statutory accident insurance institution in the inbox of your BundID account or Mein Unternehmenskonto, you must have an account and authenticate yourself.
  • If you would like to receive the answer by mail, you can also proceed without registration.
• Select your responsible professional association or accident insurance institution or find it using the industry search.
• Upload the required documents.
• Fill out the online form and submit it.
• Your report will be automatically forwarded to your trade association or accident insurance institution.
• You will receive feedback via your preferred method.

Online service 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 may also be able to submit the report electronically there.

Message by mail:

• Contact your professional association or accident insurance fund with an informal letter.
• Pay attention to the required details and enclose the necessary documents.

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

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

You must submit the application before the start of the foreign assignment, as retroactive insurance coverage is not possible.

There are no costs.

• Objection
• Detailed information on how to file an appeal can be found in the notice from your trade association or accident insurance institution.