USA Belgium France Germany Italy Holland UK Spain
Compulsory insurance No Yes Yes Yes Yes Yes Yes Yes
Indemnifiable injuries: death, serious harm, pain, suffering, economic losses Variable No No Death or permanent disability Death, serious harm, pain, suffering, economic losses Death and other harms “any injury” in phase 1 trials;
“serious harm” in phase 2 and 3 trials
Physical injuries and their economic consequences
Limits to compensation (e.i.: exclusion of the harms which are inevitable in particular kind of trials; exclusion of the health problems which can depend on the natural progression of the subject’s disease) Yes No No No No Yes Yes Yes
Indication for the informed consent document Yes No No No Yes Yes No No
Differences in compensation plans according to the type of trial (phase 1, 2, 3 or 4) or to the level of risk of the trial Not stated No Yes Yes No Yes (exemption for studies with minimal risks) Yes (different kind of compensation available) Yes
(exemption for studies with minimal risks)
No fault compensation available Variable Yes Yes Yes Not clear Not clear Yes, for phase 1 trials, without “legal commitment” for phase 2 and 3 trials Yes
Exemption from insurance or special terms for public clinical trials Not stated Not stated Yes, exemption Not stated Yes, special terms Yes, exemption Yes, possible exemption Yes, possible exemption
Responsibility for compensation (public/private) Private and public Private Private and public Private Private Private and public Private and public Private and public
Temporal indications Not stated No No No Yes, 24-36 months after the trial completion
10 years for pediatric studies and studies with biological materials
Yes, 5 years after subject’s participation No No
Table 1: Comparison of USA and European Countries regulations on the issue of insurance and compensation of injured research participants.