The statutory accident insurance supports you after

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

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:

• Costs for self-procured household help (services to continue the household and travel costs)
• Travel costs actually 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.

The statutory accident insurance covers your costs of up to 2.5 percent of the applicable monthly reference value per day. The reference figure is calculated on the basis of the income of all persons insured under the German social insurance system. This applies to an 8-hour day. If your domestic help only works part-time, you will receive a pro rata reimbursement of up to one eighth of the maximum amount per hour. This covers all your costs incurred, including travel costs.

Example:
After an accident at work, you take part in a 6-week medical program. During this time, you are unable to look after your household on your own. It is determined that you need 3 hours a day for 2 times a week to continue running the household. You provide yourself with household help. From 01.01.2022, the reimbursable amount for self-procured domestic help is 10.25 euros per hour and a maximum of 82.00 euros per day. Your employers' liability insurance association or accident insurance fund will check other legal requirements in accordance with the German Social Code. If these are met, the following reimbursable amount is calculated for the entire period: 10.25 euros x 3 hours x 2 times a week x 6 weeks = 369 euros. The maximum daily amount was not exceeded at any time.

Instead of domestic help, the necessary costs for childcare are also covered up to a maximum amount. This has been 180 euros per month since 01.01.2021.