 |
5.1 Characteristics of individual insurances
There is a legal obligation to pay health insurance deductions in SR.
The employees pay deductions for :
The employer pays for his employees the following deductions :
The sole traders have to pay the following types of deductions :
The sickness insurance is voluntary for the sole traders.
5.1.1 Sickness insurance
Insurance for situations of loss or decrease of income from a gainful activity and to provide income in consequence of temporarily incapable of work due to sickness, pregnancy, maternal responsibilities. Sickness benefits provided under the sickness insurance system :5.1.2 Pension insurance
Pension insurance is one of five types of social insurance. Within the scope of pension insurance two subsystems exist :old-age insurance as insurance to provide income in old age and in case of death disability insurance as insurance in case of capable decrease to conduct a gainful activity in the consequence of long-term indisposed health state of the insured and in case of death.
Under the old-age insurance system are provided :
Under the disability insurance system is provided :
5.1.3 Unemployment insurance
The unemployment insurance is insurance in case of the income loss from the employee’s activity in the consequence of unemployment which provides an income in the consequence of unemployment.The insuree is entitled to the unemployment benefit. After meeting conditions of claiming, the claim to the unemployment benefit arises since the day of being included in the register of unemployed citizens and it ceases to exist by elapsing six months. This period is referred to as the supportive unemployment period.
5.1.4 Guarantee insurance
The guarantee insurance is insurance in case of the employer’s insolvency to satisfy the employee’s rights and to pay allowances to the old-age pension insurance unpaid by the employer into the primary fund of allowances assigned for the old-age pension insurance.The employee in a labour relation is entitled to the guarantee insurance allowance if his employer became insolvent and can not satisfy the employee’s rights resulting from the labour relation.
5.1.5 Accident insurance
The accident insurance is constituted as a mandatory insurance of the employer which shall protect him against the risk of economic burden in case of his liability for damage originated in consequence of an industrial injury or an occupational disease of his employees which result from the Labour Code. Therefore in contrast with the sickness insurance and the pension insurance, the mandatory accident insurance is bounded to the employer who is in the position of the insured and pays the accident insurance for himself. The accident insurance originates for the employer since the day of employing at least one employee and it ceases to exist on the day when he does not employ a single employee any more.After the fulfilment of requirements stipulated by the law, the accident insurance provides 13 accident benefits of monetary character mainly :
|