This protection is very useful for people who are exposed to increased accident risks, be it through sport or private travel and driving, but also for children. In addition, people with dangerous hobbies in particular should take a closer look at finding out which insurers cover these increased risks. The self-employed have no statutory accident protection. You do not even include commuting and occupational accidents if you have not voluntarily taken out accident insurance. Employees can also use it to complete their protection against accident-related disability, as most accidents do not happen at work and are therefore not legally insured.
No. The occupational disability insurance serves to secure your monthly income or your monthly expenses if you become disabled. Private accident insurance, on the other hand, should provide you with a one-off benefit so that in the event of an accident-related disability you can adapt to the new life situation and finance changes. Bear in mind that only around 10% of occupational disabilities are triggered by an accident. You can see private accident insurance as a useful addition to occupational disability insurance.
When are benefits due?
She pays if one of the conditions agreed in the contract is met. In general, however, if you suffer from an ongoing disability due to an accident that is likely to last for more than three years and no improvement is foreseeable.
When is the benefit paid?
As soon as all examinations have been completed and the degree of disability has been determined, the insurer has a certain period of time (usually 2 weeks) to provide the agreed service. Since this can drag on for a few months, it makes sense to include a death benefit, as this amount can be paid out to you earlier if necessary (yes, even if you are still alive, even if that sounds contradictory).
Do I have worldwide insurance coverage?
With private accident insurance, insurance cover applies around the clock, while statutory accident insurance only provides protection for occupational accidents, commuting accidents or occupational diseases.
How much does private accident insurance cost?
It’s a very individual matter. You can find out specifically with the help of our comparison calculator. It is important to know here: Now that you have read the article you know where you can save with a clear conscience and where you shouldn’t.
Who pays the contributions?
The contributions to the statutory accident insurance are financed 100% by your employer. In contrast, you finance private accident insurance alone.
Can I just cancel a contract with you?
Depending on the term of the contract, you can cancel every one, three or five years. We recommend that you choose a term of one year so that you are more flexible in case of doubt if something changes in your life in this regard.