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More and more people are now working in the home office. At home, professional and private life merge and the insurance suddenly no longer automatically takes effect in the event of a claim. This post will tell you what to consider when working from home.
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Insurance in the home office
You are not insured in the home office as you would in the office. The statutory accident insurance sees a clear difference between professional and private activities.
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- The basic rule is that you are legally insured on the way to work and equally on the way home.
- However, if an accident does not occur in direct connection with the professional activity, the statutory accident insurance usually no longer applies.
- This is exactly where the problem of insurance coverage in the home office arises: for example, get a cup Coffee from your kitchen and fall, you are not automatically insured by law.
- It looks a little different if the fall is directly related to work. For example, if you injure yourself running down the stairs to answer a call from your boss, this would be an accident at work, the costs of which will be covered by insurance.
- So it’s important just in case Collect evidence. In the event of an accident, it is best to immediately document how it came about: Take screenshots, print out emails or save your call list. In addition, inform your employer immediately.
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Private accident insurance can be worthwhile
If you want to be completely protected and do not want to take any risks, you should think about private accident insurance.
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- If an accident results in permanent damage, the accident insurance pays a one-off sum. In the event of particularly serious consequences, the injured party can even receive a lifelong accident pension.
- In some cases, private accident insurance also covers the costs of rehabilitation services.
- Other services that are paid for by private accident insurers are, for example, cosmetic operations that are necessary after an accident, daily hospital allowance or costs for nurses or cleaning staff at home.
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