The statutory accident insurance supports you after

• an accident at work
• a commuting accident and
• the onset of an occupational disease.

Your employer's liability insurance association or accident insurance fund will cover any costs incurred for housekeeping or childcare.

The following costs, for example, are covered by your employer's liability insurance association or accident insurance fund:

• reasonable costs for a self-procured domestic help (service to continue the household and travel costs)
• actual travel costs incurred and, if applicable, actual loss of earnings for relatives and in-laws up to the 2nd degree, e.g:
  • Grandparents, parents, siblings, children, grandchildren
  • Parents-in-law, brother-in-law, sister-in-law
• Costs for taking the child with you
• Costs for alternative accommodation for the child
• Costs for childcare

The household help's tasks include, for example

• Shopping and preparing meals
• Care of clothing
• Care of the living quarters and
• looking after the children.

If domestic help is provided by a neighbor, friend or distant relative, your employer's liability insurance association or accident insurance fund will regularly reimburse a daily allowance of up to 2.5 percent of the monthly reference value. The amount is adjusted annually and from 01.01.2025 will be EUR 94 per day or EUR 11.75 per hour. If the domestic help is provided by professional replacement staff, higher costs can be covered in individual cases in accordance with the usual local remuneration rates.

Instead of domestic help, the necessary costs for childcare are also covered up to a maximum amount. Since 01.01.2025, this has been 200 euros per month.