التأمين الصحي عن الأخطار المهنية

Other Title(s)

Health insurance for occupational hazards

Author

تومي، الزهرة

Source

المنارة للدراسات القانونية و الإدارية

Issue

Vol. 2022, Issue 39 (30 Sep. 2022), pp.429-444, 16 p.

Publisher

Al-Manara Center for Studies and Research

Publication Date

2022-09-30

Country of Publication

Morocco

No. of Pages

16

Main Subjects

Pharmacy, Health & Medical Sciences

Abstract EN

This scientific paper deals with the topic of "health insurance for occupational hazards" and seeks through it to research insurance against occup ational accidents and occupational diseases as a first necessity for small and medium-sized enterprises, so that it has become obligatory for owners of small and medium-sized enterprises not to neglect it, as it has become a mandatory issue since 2002, It is a binding procedure for all businesses subject to the social security system.

and small and medium-sized enterprises that engage in occupational accident insurance, contribute to covering and protecting its employees from the occupational hazards that they may face while performing their work.

Insurance against occupational accidents and occupational diseases helps protect the business owner before the employee, against any legal accountability for any default that may be caused by the negligence of the owner of the small and medium enterprise in engaging in this insurance.

The latter includes every work accident that may affect the employee while carrying out his work, or if this accident was the result of a force majeure event.

What the owner of the small and medium-sized enterprise should know is that the insurance for occupational hazards also covers all accidents that may affect the employee during his movement from his workplace and place of residence.

The scope of insurance coverage for occupational accidents also includes the movement of the employee working for the company, between the workplace and the place where he normally eats, during the rest period.

In this context, social legislation stipulates the need for companies and contracting companies of all kinds, including small and medium-sized enterprises, to take a set of precautionary measures to prevent work accidents.

The contractor may be subject to some penalties in the event of non-compliance with the legal provisions related to the procedures for the prevention of work accidents, such as the prevention of electrical current dangers, the prevention of fire dangers, the prevention of the dangers of falling, and the protection of machinery.

Insurance contracts for occupational hazards allow you to benefit from a set of rights, on top of which is to benefit from covering the costs of treatment, especially those related to medical, surgical and pharmacy expenses.

The coverage also includes hospitalization expenses, costs of analyzes and examinations, expenses to be paid to physicians and paramedics, and expenses of obtaining, repairing and refurbishing replacement or orthopedic devices imposed by the accident.

In addition, the insurance contract covers the expenses of transporting the injured to his usual place of residence or to the hospital closest to the place of the accident.

In the event of death, the insurance contract also covers all funeral expenses and the costs of transporting the body from the place of death to the cemetery...etc.

This topic has been dealt with by addressing, within the first requirement, “the types of insurance for occupational hazards, so that we touched in (the first paragraph) to the “optional insurance for occupational hazards”, provided that we search for “compulsory insurance for occupational accidents and diseases” in (the second paragraph ).

In the second requirement of this scientific paper, the “legal framework of the insurance contract for occupational risks” was addressed, where we determined “what is the insurance contract for occupational risks” in (the first paragraph), provided that we study the “importance of the insurance contract for occupational risks” in ( second paragraph).

It should be noted in this regard, however, that despite the fact that the Moroccan legislator has organized these relations for the legal requirements that govern the two aforementioned systems, The problematic that arises in this regard is the extent to which it is compatible in balancing the interests of the various parties to these relations under this regulation in a way that ensures that the desired objectives of compulsory insurance against work accidents and occupational diseases are not compromised, which is to ensure the existence of insurance for both employers and victims.

or their rights.

American Psychological Association (APA)

تومي، الزهرة. 2022. التأمين الصحي عن الأخطار المهنية. المنارة للدراسات القانونية و الإدارية،مج. 2022، ع. 39، ص ص. 429-444.
https://search.emarefa.net/detail/BIM-1429977

Modern Language Association (MLA)

تومي، الزهرة. التأمين الصحي عن الأخطار المهنية. المنارة للدراسات القانونية و الإدارية ع. 39 (حزيران / أيلول 2022)، ص ص. 429-444.
https://search.emarefa.net/detail/BIM-1429977

American Medical Association (AMA)

تومي، الزهرة. التأمين الصحي عن الأخطار المهنية. المنارة للدراسات القانونية و الإدارية. 2022. مج. 2022، ع. 39، ص ص. 429-444.
https://search.emarefa.net/detail/BIM-1429977

Data Type

Journal Articles

Language

Arabic

Notes

يتضمن هوامش.

Record ID

BIM-1429977