Insurance companies exemption

Insurance companies play an important role in the improvement of health and safety standards. Since 1969, it has been a legal requirement for employers to insure against liability for injury or disease to their employees arising out of their employment. This is called employers liability insurance. Certain public sector organizations are exempted from this requirement because any compensation is paid from public funds, ether forms of insurance include fire insurance and public liability insurance (to protect members of the public). 

Articles 64a-64b AVIG/LACI - employment measures. Employment measures mainly comprise temporary jobs offered under programmes organised by public or private non-profit enterprises. They also include on-the-job training in companies and in the administration, as well as motivation semesters for insurants who have completed schooling. These semesters can also be attended by persons who have neither met their minimum contribution obligation nor been exempt therefrom (cf. Leu 2006 99-122). 

In France, despite co-payment for drugs, prescription drugs are virtually free for the 80% of the population who enjoyed supplemental insurance in 1990. The supplemental private companies or co-operatives reimburse most or all of the co-payments. The recent law on universal health insurance coverage will extend this supplemental insurance to 100% of the population [5], Such exemptions, and reinsurance options for the population, offset the effect of co-payment in reducing the use of drugs that are not needed, or too expensive. Of OECD countries only Austria, Germany, Japan, Spain and Switzerland have officially excluded such a cost shifting by reinsurance in second-tier payment systems (Table 1). 

If your business is classified in one of the low hazard retail, service, finance, insurance, or real estate industries listed on page 4, you do not need to keep injury and illness records unless the government asks you to do so. In cases where one or more of a company s establishments are classified in a non-exempt industry, records must be kept for those establishments (unless they are exempted for size). 

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