The compulsory accident insurance pursuant to LAI covers costs arising from occupational and non-occupational accidents or occupational illnesses. In general: An occupational accident (OA) occurs during working hours; non-occupational accidents (NOA) on the way to work or during leisure time. According to the 2020 accident statistics, recreational accidents account for as much as two-thirds of all reported accidents. Occupational illnesses are regarded as occupational accidents. The insurance coverage and benefits of the mandatory accident insurance are legally required.