德国的工伤保险是国家社会保险体系的重要组成部分。保险费完全由雇主承担,这在各类保险中是唯一例外。目前,这个国家有80％以上的职工参加了工伤保险。 德国的工伤保险分为工业保险、农业保险和公共部门保险三种。本文所说的工伤保险,即指工业工伤保险。德国14个工业行业有35个工伤保险协会和一个工伤保险协会总会。 德国对工伤保险立法比较重视。早在1881年,《德国社会保险宪章》中就规定了事故保险;1884年实行《工人补偿法》,即对因事故而伤亡的工人给予补偿,其影响遍及整个欧洲;1923年,经过对所有有关法律的整理,制定了《帝国保险条例》,沿用至今;1996年5月,联邦议会通过新的《工伤保险法》,使工伤保险立法更完善、更具体。 Work-related injury insurance in Germany is an important part of the national social insurance system. The premium is entirely borne by the employer, which is the only exception in all types of insurance. Currently, more than 80% of workers in this country participate in work injury insurance. Industrial injury insurance in Germany is divided into industrial insurance, agricultural insurance and public sector insurance three. Work injury insurance referred to in this article refers to industrial injury insurance. There are 35 industrial injury insurance associations and one industrial injury insurance association in 14 industrial sectors in Germany. Germany attaches more importance to the legislation of work injury insurance. As early as 1881, the “German Social Security Charter” provided for accident insurance; the Labor Compensation Act of 1884, which compensated workers who were killed or injured by an accident, had an impact throughout Europe; in 1923, The arrangement of the relevant laws formulated the “Imperial Insurance Regulations”, and has been used up to now. In May 1996, the Federal Parliament passed the new “Work-related Injury Insurance Law” to make the work-related injury insurance legislation more comprehensive and specific.