德国农民拥有工伤保险已有114年的历史了,1957年才被社会养老保险制度所覆盖。至于他们享受社会健康保险的历史,从1972年才开始,比产业工人晚了将近一个世纪。这其中的原因首先在于,历来的社会保险立法机构都认为,与农民和其它自我雇用者相比,产业工人遭遇的风险更多而抵御风险的能力更脆弱,因为前者至少还有资产来分担风险。就农民获得上述几个社会保险产品的时序而言,可以看到,它是从发生频率最高的工伤保险起步的。这种时序,反映的是农民获得的社会福利随着经济增长而扩展、享受的保险品种随着国民收入提高而增加的历程。 German workers have 114 years of industrial injury insurance history, only in 1957 by the social pension insurance system coverage. As for their history of enjoying social health insurance, they began only in 1972, nearly a century after industrial workers. The reason for this is, first and foremost, that historically, the social insurance legislature has argued that industrial workers are more vulnerable to risk and more vulnerable to risk than their peasants and other self-employed people because they have at least assets to share the risk . As far as peasants are entitled to the timing of the above social insurance products, we can see that it started with the most frequent industrial injury insurance. This timing reflects the course in which the social welfare enjoyed by peasants expands with economic growth and the types of insurance they enjoy increase as their national incomes rise.