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Accident Insurance Association

The AAA (Association d’Assurance Accident) is the public body responsible for the prevention and compensation of accidents at work, commuting accidents and occupational diseases. Operating under the authority of the Ministry of Social Security and under the supervision of the IGSS (Inspection Générale de la Sécurité Sociale), it is a key pillar of Luxembourg’s social protection system. The AAA is managed by a board of directors comprising representatives of employers, employees and the State.

Governance

The Board of Directors comprises employer representatives appointed by the Chamber of Commerce, the Chamber of Trades (7) and the Chamber of Agriculture (1), and employee representatives appointed by the Chamber of Employees (7) and the Chamber of Civil Servants and Public Employees (1).  

This tripartite governance ensures a balance between the various stakeholders in the system. 

Main responsibilities

The AAA fulfils two key responsibilities: 

  • The prevention of workplace accidents and work-related illnesses
  • The compensation of insured persons in the event of a claim  

The prevention and benefits departments manage relations with companies and insured persons. 

The prevention of occupational risks is a key lever for reducing accidents, improving working conditions and enhancing business performance. As such, UEL is committed to promoting a culture of prevention, notably through the national VISION ZERO strategy and initiatives developed in the field of occupational health and safety. 

Funding and contributions

Compulsory accident insurance is funded by contributions paid by employers and the self-employed. 

Since the 2010 reform, the scheme has been based on a solidarity-based funding model, supplemented by a bonus-malus mechanism. 

This system adjusts individual contribution rates according to the cost of recorded accidents, thereby encouraging companies to invest in prevention and workplace safety. 

Each year, the board of directors sets a single contribution rate for the coming financial year.

Challenges for business

Occupational risk prevention not only helps to protect employees, but also contributes to the competitiveness and performance of businesses.