Tapaturmavakuutusjärjestelmä

Tapaturmavakuutusjärjestelmä refers to the accident insurance system in Finland. This system provides statutory accident insurance for employees and certain other groups, such as students and conscripts. The primary purpose of the system is to cover costs related to accidents that occur during work or in connection with work. This includes medical treatment, rehabilitation, and compensation for lost earnings or permanent disability.

The accident insurance system is primarily funded by employers through accident insurance premiums. The premiums are determined based on the industry's risk level and the individual company's claims history. The system is managed by private insurance companies authorized by the Financial Supervisory Authority.

If an accident occurs, the employee should report it to their employer. The employer then initiates the claims process with the insurance company. The insurance company assesses the accident and determines the extent of coverage. Benefits can include reimbursement for medical expenses, daily allowances during recovery, and, in cases of permanent injury, pensions. The system aims to ensure that individuals are financially supported and can return to work or adapt to their new circumstances following an accident. It plays a crucial role in social security by mitigating the financial impact of work-related injuries.