Analytical study of work accident insurance at the regional agricultural Cooperation Fund of Boumerdès Province

Abstract

Social insurance policies are among the most significant economic and social strategies developed by countries worldwide, both developed and developing, in the realm of protecting community members from various risks threatening their lives, whether in the workplace or outside. This study aims to highlight the importance of work accident insurance and the distinction between occupational injuries and work accidents. It explores the methods for calculating various compensations or losses and compensation for the different risks that workers are exposed to based on their basic wage, risk percentage, and corresponding reference points at the Regional Cooperative Fund of Boumerdès Province. The study concludes that work accident insurance is a type of insurance that alleviates the burden of loss on individuals by distributing losses among several parties (the institution, social security, and the insurer), and also achieves a form of social stability for the worker.