Breaktime excursion guaranteed at the supermarket
In Bremen, Germany, the statutory accident insurance coverage during breaks at work is primarily determined by whether the break is considered part of the insured activity and its legal categorisation. According to the German Social Code Book VII (Sozialgesetzbuch VII), accident insurance covers employees, including interns, during activities related to their work or training.
Key points relevant to statutory accident insurance coverage during breaks:
- Activities directly related to the work or internship, such as tasks performed on company premises or university grounds, fall under the purview of accident insurance, provided the internship or study is the primary occupation. - Accidents that occur on company premises during working hours are typically covered by the employer's or internship provider's statutory accident insurance, including accidents happening during work-related breaks like lunch or rest periods spent on company grounds. - However, coverage might not extend outside the workplace or during unofficial breaks where the employee is no longer under the employer’s responsibility, such as leaving the premises or engaging in purely private activities during breaks.
The University of Bremen clarifies that students are covered by accident insurance during university activities, but this does not apply to company premises during internships, with the internship provider's statutory accident insurance being applicable in such cases.
In summary, during breaks at work in Bremen, statutory accident insurance coverage generally applies if the break is taken on the employer’s premises or part of the work-related environment. Accidents occurring during such breaks are typically covered by the employer's statutory accident insurance.
No specific additional Bremen-local rules were identified beyond the general German regulations described above. It’s advisable to check your specific internship or employment contract for any particular provisions related to breaks and statutory accident insurance.
Some key points to note:
- The time spent eating during a break is not insured. - A walk, nap, doctor visit, or hairdresser visit during a break is considered private and not insured. - If an accident occurs during a break at work, it is not covered by statutory accident insurance. - If an employee visits a doctor or a hairdresser during their break, the routes taken are not insured. - If an employee goes shopping for food during their break, the trip to the store is insured. - If an employee goes shopping for non-immediate sustenance during their break, the trip to the store is considered private and not insured. - The routes to the canteen, a restaurant, or one's own kitchen during a break are usually insured.
- What if an intern, during a lunch break at a financial industry firm in Bremen, gets injured while buying non-immediate sustenance? In such a case, the accident would not be covered by the statutory accident insurance.
- If a business owner in the industry of higher education, like the University of Bremen, provides a catered lunch for their students and one gets injured during the meal, the accident would be covered under the accident insurance, assuming it occurred on the university grounds.
