Thursday , June 17 2021

Occupational diseases: Insurance will be mandatory

Strengthening health and safety in the work structure, developing knowledge and social dialogue … These are the main axes that form the basis of the future National Health and Safety Plan.

The aim is not only to reduce accidents in the workplace but also to promote a culture of prevention. What has received the most attention in this project is the expansion of regulations for public services and making compulsory insurance against occupational diseases.
This cover will be entrusted to insurance companies as well as industrial accidents. The idea is to make the price of accidents in the workplace and occupational diseases an incentive for prevention.

"We must think with social partners, institutional players, and the Insurance and Reinsurance companies of the Moroccan Federation to provide prices for all their roles in prevention. How to modulate TA contributions / paid occupational diseases, is important and looks effective, in accordance with the risks posed by company activities for employee health and safety?

Since 1927, insurance against the consequences of accidents at work and work-related diseases has been entrusted to insurance companies. "Morocco is one of the few countries where occupational accidents and occupational diseases are not considered social security risks that give universal rights to gain profits in the form of goods and cash but as civil liability from employers that can be insured for third parties" , emphasizing the Economic, Social and Environmental Council in the latest report on social protection in Morocco.

In addition, various reforms carried out did not lead to the generalization of work accident prevention schemes and weakened mechanisms to prevent the risk of occupational diseases. Victims of accidents related to work and occupational diseases must, in many cases, face lengthy, expensive and complicated administrative and litigation procedures. Which, in the opinion of the EESC, forces them to receive compensation that is not worth the damage they suffer.

Today, Morocco is a catalog of countries that recorded the lowest level in terms of the percentage of active population covered by occupational accident cover: 39% to 46.75% for the Mena region. The figure is overvalued, according to the EESC, because the population level with social security coverage does not exceed 40% while the majority of the population stated to the CNSS does not have insurance against accidents at work. and occupational diseases. Added to this is a lack of coverage in public services.

Loss ratio that is too low

The numbers on the experience of loss will be lower than reality. The number of deaths due to accidents in the workplace is estimated at 3,000 per year and the annual average of work-related accidents reported is 41,304 cases in 2016 and 42,416 in 2017. According to the International Labor Office, the risk of accidents in Morocco remains highest in the Maghreb and East The middle. The construction sector alone will concentrate 10% of claims.


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