Worldwide protection against accidents at leisure
- Secure extreme case of disability
- Protection even in sport, household and leisure accidents
- Services for renovations in the house
- Many additional and top performances in the comparison calculator
What is a private accident insurance?
Private accident insurance offers financial security in the event of serious accidents. This also applies in situations where legal protection does not apply. Thus, the insurance is recommended to all people who can not easily handle the extra expenses and income losses after an accident. In addition to a one-off payment, those interested can additionally arrange a monthly accident pension with the accident insurance.
The most important thing about accident insurance
- What is the difference between legal and private accident insurance?
- How much does the accident insurance pay after an accident?
- What are the contributions to the accident insurance?
- When does the insurance pay an accident pension?
- Is accident insurance useful?
- Accident insurance for children or seniors
- Accident insurance with premium refund
- Cancel accident insurance
- With the comparison calculator at the optimal rate
What is the difference between legal and private accident insurance?
Many people assume that they are protected by the statutory accident insurance at all times. In fact, the statutory insurance provider provides support – but only if the accident at work, in the daycare center, school or training center is, or it is a so-called commuting accident. This means that all accidents that happen at leisure are not covered .
In addition, the statutory accident insurance mainly reimburses the costs of medical treatment measures and rehabilitation. Employees also receive a replacement salary for longer illness instead of sickness benefit as soon as the employer no longer offers continued pay after six weeks.
However, if reconstruction work becomes necessary after an accident in the house, or if a new, disabled-accessible car has to be purchased, the statutory accident insurance offers no support. Private accident insurance , on the other hand, pays a larger sum of money for disability . The insured can use this money as he wishes. What is more important, however, is that private accident insurance also covers accidents that happen during leisure time, sports or in the home. That covers about 70 percent of all accidents.
How much does the accident insurance pay after an accident?
Upon conclusion of the private accident insurance, a certain sum insured or principal amount is agreed. The higher the degree of disability after an accident, the greater the proportion paid by the insurance company . Insurance experts recommend choosing at least two to three times the gross annual income, so that the protection provided by the accident insurance is sufficient.
In addition, accident insurance usually contains a progression. For example, with a progression of 350 percent, the payout increases to 350 percent of the base amount in the case of full disability. Instead of € 100,000 insured persons receive € 350,000 from the insurance.
The insurance benefits paid after an accident thus depend on the sum insured, the progression and the degree of disability . The degree of disability is calculated on the basis of the so-called member tax, which varies from insurer to insurer. For example, it states that the loss of one thumb corresponds to 20 percent disability. A comparison calculator for the accident insurance gives information on the individual rates for each tariff. Thus, some insurers assess the loss of the thumb with 35 percent or more.
Depending on the degree of disability falls
the amount of payments
What are the contributions to the accident insurance?
The contributions to the accident insurance depend on the scope of the agreed services as well as some personal factors. The higher the sum insured and the progression, the higher premiums insured persons must invest in accident prevention . It is possible to agree on some additional benefits which also affect the contributions. These include:
- a hospital daily allowance,
- a recovery money,
- an immediate payment for serious injuries and
- lifetime pension payments.
The contributions are also based on the age and occupation of the policyholder and whether it is a single rate or a family rate. But even with the same basic conditions, there are significant cost differences for the various providers. With an accident insurance comparison calculator, interested parties can quickly and easily get an overview of available tariffs and the respective costs.
For example, for a 30-year government employee in the public sector, there are already offers of less than € 70 per annum for accident insurance in the amount of € 100,000 and a progression of 350 per cent.
When does the insurance pay an accident pension?
The accident pension is an additional benefit of the private accident insurance , the interested parties agree upon conclusion of the contract with the provider. However, not all insurers offer such a pension. In addition, the contributions are increased by a pension. Therefore, consumers should consider whether, in the event of a major accident, they only need a high one-off benefit, such as home remodeling, or whether they want to permanently compensate for loss of income. If the latter is the case, however, a disability insurance is often recommended.
If insureds wish to receive a pension, they must know that the monthly payment for most contracts is paid from 50% disability. This corresponds, for example, to the loss of a leg below the knee.
Is accident insurance really useful?
Only private accident insurance closes the gap created by the statutory accident insurance. The additional accident insurance can offer any services that are enormously important for hedging. It applies worldwide and protects insured even on vacation . Especially for working people who can not take out occupational disability insurance, accident insurance makes sense to provide financial compensation for the loss of income that can occur temporarily or even permanently after a serious accident.
Many old accident policies offer only very incomplete insurance cover or too little disability benefits. Therefore, it is worthwhile to compare the current accident insurance with current offers and change if necessary.
Accident insurance for children or seniors
There are some accident insurances that are specifically tailored to the needs of individual groups. Accident insurance for children includes, for example, increased benefits for vaccine damage or the reimbursement of cosmetic surgeries after an accident .
Accident protection for senior citizens, on the other hand, often involves the reimbursement of expenses for home help and after-accident care. In the meantime, however, normal accident policies often offer these benefits. If you want to protect your child or are already older and wish support after an accident, you can also find suitable policies with a tariff calculator.
Accident insurance with premium refund
The accident insurance with premium refund is a special variant of private accident insurance. The premiums for a corresponding policy are often much higher than for a regular accident insurance, as this is a combination of accident and life insurance. After the end of the contract or in the event of death of the insured , the insurance pays part of the paid-in contributions plus surpluses . However, consumer advocates usually advise against this form of accident insurance.
Cancel accident insurance
As a rule, private accident insurance is automatically extended by one year if you do not cancel your contract three months before the agreed end of the contract at the latest . However, some insurers also offer multi-year contracts, which can only be terminated after the contractually agreed term has expired. In addition to ordinary dismissal, policyholders always have a right to an extraordinary termination following a claim .
With the comparison calculator at the optimal rate
Would you like a high level of performance at a low price? Then use our free rate calculator to find the right accident insurance! Our accident insurance comparison helps you to choose the appropriate rate by comparing both the cost and the benefits of many current rates . You can then easily inform yourself about the individual advantages and disadvantages of the offers and choose the tariff that best suits your expectations.