Employment Injury

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South Africa’s employment injury insurance system consists of two structures: the Road accident fund (RAF) and the Compensation for Occupational Injuries and Diseases Act (COIDA). COIDA is fragmented between the Department of Minerals and Energy, the department of Labour, and the department of Health while the RAF falls under the authority of the Department of Transports. The continuing overlaps between the RAF and the COIDA are sometimes problematic.

Road accident fund

The aim of the RAF is to provide coverage to road users in South Africa. The RAF was established by an Act of Parliament and commenced its operations in 1997. The RAF provides compulsory coverage to all users of South African roads, resident or foreigner, against injuries sustained or death arising from accidents involving motor vehicles. The benefit is an indemnity insurance for persons who cause the accident, as well as personal injury and death insurance to victims of motor vehicle accidents and their families.

Compensation for Occupational Injuries and Diseases Act

The aim of the COIDA is to provide a compensation for injuries or death occurred in the course of employment. The Act covers all employers, casual and full-time workers, who are injured, disabled, killed or become ill as a result of a workplace accident. The Act excludes injuries or sickness that last less than three days, domestic workers, individuals receiving military training, the National Defence Force and the Police service.

Régimes de sécurité sociale et programmes par branche