En privatisering av arbetsskadeförsäkringen

Sammanfattning: The main purpose of this thesis is to analyse the possibilities and problems facing a privatised work injury insurance. This discussion includes the element of premium differentiation. Todays´ Swedish social insurance system is ineffectively formed. The costs have dramatically increased during the 1990´s. The Swedish government is now looking for ways to improve the efficiency of the system. The work injury insurance has not followed this pattern of increased costs. On the other hand there are reasons to believe that many of the costs derived from work injuries have been allocated o burden other social insurance. This is one of the distortions in which the system results. With focus on a privately financed work injury insurance the aim is to increase the fairness of the social insurance system. The allocation of cost burdens on the right party is included in this aim. It is believed that the motive of prevention for an injury to occur and the efforts in rehabilitation will improve when introducing a private work injury insurance. More responsibility is given to the insured, i. e. the employer. Private insurance companies can specialise and are, on a competitive market, able to keep the premiums on a fair price level. The conclusion is that efficiency can, in several aspects, increase when introducing a privately financed work injury insurance.