Industry bodies are calling for insurers to lobby the government over rising NHS costs that are leaving a black mark on employers' liability claims.
The ABI, CBI and the TUC said moves to reduce the compensation culture are frutiless without government intervention.
They were speaking at the all party finance and insurance group at the House of Commons on Tuesday.
The TUC's senior policy adviser, Owen Tudor, said: "The NHS is a two-tier system which is geared towards non-workers. If we are to continue to promote rehabilitation we need employees to be seen immediately and not in nine months time."
The ABI and the TUC want a central fund to deal with long-tail diseases.
The fund would also promote "good behaviour for small companies who never claim". But, CBI head of group environment, health and safety Janet Asherson called for better risk management and education of health and safety at work.