Brenner, AndreasAndreasBrenner2023-04-132023-04-132020-02-17https://www.alexandria.unisg.ch/handle/20.500.14171/112401Accident insurance is one of the eleven branches of social insurance law and primarily covers the social risks of occupational accidents, non-occupational accidents and occupational illness. Its structure differs greatly from the structures of other branches. Accident insurance is self-sustaining and is financed exclusively through risk-based premiums. The AIA (Federal Act on Accident Insurance) is the only law to allow a mandatory insurance to collect a premium corresponding to risks in this form. Additionally, accident insurance is operated by the Suva (Swiss National Accident Insurance Fund), an autonomous public agency, and by private insurers as per art. 68 AIA, which means, by private companies. This dissertation examines the question of whether the structure of accident insurance premiums of the Suva and of the insurers as per art. 68 AIA is compatible with the main content of the general structuring principles of social insurance law modified for accident insurance. This process necessitates an analysis of the structuring principles of social insurance law in general and for accident insurance in particular. It also requires an analysis of the premium classification carried out by the Suva and the insurance companies as per art. 68 AIA. The following aspects in particular are defining for the structuring of accident insurance in this case: the solidarity principle, the equivalence principle, the insurance principle, the policy of transparency and the policy of reciprocity. The analysis of the pricing models of accident insurance companies that was carried out using accessible information forms is a central component of this dissertation and creates the most detailed overview possible. The current premium pricing carried out by accident insurance companies is compatible with the selected structuring principles only to a limited extent. The premium pricing is compatible with the principle and modified content of the solidarity principle for the most part, but the degree of solidarity in accident insurance is not comparable with the degree of solidarity in other branches of social insurance law. Since every branch of every accident insurance company is self-sustaining and financed only through premiums, the premium structure is primarily compatible with the content of the equivalence principle. In contrast to classification of services into the BUV (occupational accident insurance) risk classes, it is questionable whether classification into the NBUV (non-occupational accident insurance) risk classes, which depends only on classification of services into the BUV classes, is compatible with the modified content of the insurance principle. The premium pricing is not compatible with some of the content of the principle of transparency concerning disclosure obligations and rights to inspection, as well as public disclosure of data, and there is need for action in this regard. It can not be conclusively assessed as to whether the premium pricing of insurance companies as per art. 68 AIA is consistent with the non-profit stipulation of some of the principle of reciprocity content.deSozialversicherungsrechtVersicherungsprämieBundesgesetz über die UnfallversicherungEDIS-4938Art. 92 UVGArt. 92 AIAsozialversicherungsrechtliche GestaltungsprinzipienInsurance premiumsUnfallversicherungSocial insurance lawStructuring principlesdoctoral thesis