The institution applies a risk-based approach by linking each employer’s insurance contribution to the probability of incidents (occupational accidents and occupational diseases) in their workplace.
The probability calculation takes into account the frequency, severity and cost of insurance cases within the sector of economic activity in which the employer operates.
Guideline code
PREV_01500
Mechanism
Mechanism
- The management should ensure the institution has a database which provides detailed information on the type and classification of individual enterprises within specific industrial sectors, and sector-specific data on insurance cases (e.g. frequency, severity and costs), as the basis for calculating risk-related contributions.
- The management should develop and regularly update a risk tariff, and clearly communicate it to members.
- The management should ensure that members are informed about the basis on which their contributions are calculated (e.g. risk categories or total salaries).
Structure
Structure
- The board should introduce or reinforce risk-related contributions for members of the institution.
- The management should install and update fair tariffs for risk-related calculation of contributions, endorsed by the board. The tariffs should be based on data provided by the institution’s compensation department, combined with all other available data, including characteristic data from different industrial sectors and data on the frequency, severity and cost of insurance cases.
Title HTML
Guideline 10. Risk-related contributions
Type
Guideline_1
Weight
19