Insurance against accidents at work and occupational diseases

Članak 51. Zakona o zdravstvenom osiguranju nalaže primjenu novog oblika obveznog osiguranja - obvezno zdravstveno osiguranje poslodavatelja. Primjenom tog članka Zakona, poslodavatelj je obvezan osigurati sredstva za svekoliku skrb koja je posljedica ozljede na radu ili profesionalne bolesti. Poslodavatelj je obvezan taj rizik reosigurati kod osiguravajućih društava koja nadoknađuju troškove liječenja ako su ti troškovi posljedica osiguranog slučaja nesreće na poslu ili profesionalne bolesti. Hrvatski zavod za zdravstveno osiguranje temeljna je spona između zdravstvenih ustanova, poslodavatelja i osiguravajućih društava. U radu su na četiri primjera pokazane mogućnost, opravdanost i potreba brzog prikupljanja osigurateljne i medicinske dokumentacije, potreba stručnog praćenja događaja prikupljenom dokumentacijom te potreba za sto užom suradnjom liječnika ocjenitelja osiguravajućih društava i liječnika kontrolora Hrvatskoga zavoda za zdravstveno osiguranje.According to Article 51 of the Health Insurance Law, a new class of compulsory insurance - employer\u27s compulsory health insurance - should be used in practice. In applying this article of the Law, the employer is bound to provide sources for all medical and other care needed by the insured in the case of an accident at work or an occupational disease, The employer is obliged to reinsure that class of risk with the insurance companies that indemnify the costs of medical treatment if these costs incur as a consequence of the insured risk (accident at work or occupational disease). The Croatian Institute for Health Insurance is intermediary between various medical caro units, employers and insurance companies. On the examples of four different cases the paper aims at demonstrating the need for quick and efficacious collection of both insurance and medical documentation, the need for professional assessment of that documentation, and the need for doser cooperation between medical experts working with insurance companies and medical supervisors working with the Croatian Institute for Health Insurance