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Walk during the lunch break? Not insured!

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  1. Lunch break at your own risk
  2. You still need to do some errands? Shopping for example?
  3. And what about a walk during the lunch break?

Lunch break at your own risk

Are you going for a walk during your lunch break? You are not insured. Even during the meal, the protection of the statutory accident insurance does not apply.

Where do you spend your lunch break? In the canteen? On the grass? Or in front of the computer? No matter where you like to eat pasta and chips, outside the office you are not insured during your lunch break. At least not during the meal. On the way there already.

"Employees who work during their lunch break are not protected by the statutory accident insurance, " writes the Federal Accident Insurance Fund. Means in German: Food and drink are not a business activity, but a purely private. And so you are not insured during your lunch break.

The only exception: the way to the canteen, the restaurant or the bakery. "The way to the canteen is insured, the insurance cover ends or begins with the passage through the canteen door." The stay in the canteen itself is uninsured, " explains the Federal Ministry of Labor and Social Affairs a foreign canteen, home or in a restaurant, are generally insured. However, time and distance must be commensurate with the duration of the break. "

You still need to do some errands? Shopping for example?

Also in this case you are not insured. Unless yoghurt and bread are eaten at the workplace and serve to 'maintain working capacity', according to the Federal Ministry of Labor and Social Affairs. Again, only the way to the supermarket is insured, but not during shopping.

And what about a walk during the lunch break?

Also no. "Walks during the break are of inherent economic character and are fundamentally not covered by accident insurance", the Federal Ministry of Labor and Social Affairs knows.

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