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Medical and dental treatment for people with statutory accident insurance; information on cost coverage

Do you need medical or dental treatment due to an accident at work or an occupational disease? Then the statutory accident insurance will cover the costs.

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Gewerbliche Berufsgenossenschaften
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Unfallkassen
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Procedure details

Accidents at work, commuting accidents and occupational illnesses can damage your health and your teeth. In this case, medical and dental treatment, including the provision of dentures, may be considered.
Your employer's liability insurance association or accident insurance fund will cover the costs of medical treatment in these cases.
This also applies if special accident medical treatment is necessary. The free choice of your doctor may be restricted in such cases.

  • Health damage requiring treatment as a result of an accident at work, commuting accident or occupational disease
  • Treatment provided by:
    • Doctors
    • Dentists

  • Required Documents
    • keine
    • bei Bedarf fordert Ihre Berufsgenossenschaft oder Unfallkasse erforderliche Unterlagen direkt von Ihnen an

The principle of official investigation applies in statutory accident insurance. This means that your employer's liability insurance association or accident insurance fund will carry out all necessary investigations on its own initiative ("ex officio") as soon as it learns of your insured event.

  • Depending on the health damage, consult a suitable doctor. The same applies to dental treatment.
  • In principle, you have a free choice of medical specialists. In the case of accidents at work, it is advisable to visit a doctor who is involved in the accident insurance procedure. Alternatively, your employer's liability insurance association or accident insurance fund can help you find a suitable doctor.
  • Inform your doctor that the reason for your visit is a work accident, commuting accident or occupational illness.
  • The accident insurance association or accident insurance fund will decide whether you need general treatment or not,
    • whether you require general medical treatment or
    • whether you require special medical treatment due to the nature and severity of the injury.
  • You can find out which employers' liability insurance association or accident insurance fund is responsible for you on the website of the German Social Accident Insurance (DGUV).

You can also contact your employer's liability insurance association or accident insurance fund online or by post.
Online service:

  • Call up the online service.
  • You will be guided through the procedure on the accident insurance service portal.
  • You can log in.
    • If you would like to receive a reply from your Berufsgenossenschaft or accident insurance fund in the mailbox of your BundID account or My Company Account, you must have an account and authenticate yourself.
    • If you would like to receive the reply by post, you can continue without registering.
  • Select your responsible employers' liability insurance association or accident insurance fund or find them using the industry search.
  • Upload the required documents.
  • Complete the online form and send it off.
  • Your notification will be automatically forwarded to your employers' liability insurance association or accident insurance fund.
  • You will receive feedback via the desired channel.

Online service of your employers' liability insurance association or accident insurance fund:

  • If you have access to the portal of your employers' liability insurance association or accident insurance fund, you can also submit the notification electronically there if necessary.

Message by post:

  • Send an informal letter to your employers' liability insurance association or accident insurance fund.
  • Make sure you provide the required information and enclose the necessary documents.

There are no costs.

There is no deadline.

  • Immediate treatment by the appropriate doctors
  • The costs are settled directly via your employer's liability insurance association or accident insurance fund. This means you do not have to wait for reimbursement.

There are no indications or special features.

  • Appeal
  • Detailed information on how to lodge an appeal can be found in the notification from your employer's liability insurance association or accident insurance fund.

Status: 10.03.2025
Editorially responsible for prodecure description: Bundesministerium für Arbeit und Soziales
Source: Federal Portal
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