산재보험의 피보험자 및 피보험자성에 관한 소고 – 독일 재해보험을 중심으로 –

It has already been 55 years since industrial accident insurance was introduced into Korea. In the meantime, the coverage of industrial accident insurance has been quantitatively expanded, and now there are attempts to include platform workers. At this point, it is necessary to discuss its practical qualitative extension. This requires a clear understanding of the concept of the insured and the need for protection as the insured, namely, the identity of the insured. First of all, it is necessary to look at the concept of the insured and the nature of the insured with changes in the institutional nature that emerge from the historical development, focusing on the german social accident insurance, the origin of industrial accident insurance. Therefore, this study attempts a conceptual approach to the insured and its status in terms of general and social insurance. It also explains how the scope of the insured expands along with changes in the nature of German social accident insurance. And the system is outlined focusing on the insured. In addition, the review is divided into genuine and non- social accident insurance according to the type of coverage. It will then look at the insurance premium levy and calculation centered on the insured. Finally, with the deepening of digitization, it is necessary to open the scope of the insured and include platform workers who need protection. In addition, It is suggested that a new approach should be attempted from the intrinsic nature of the system in order to recognize their insured status and develop from industrial accident insurance to social accident insurance in the future.