Private Accident Insurance
Private Accident Insurance
Private accident insurance offers assistance when enduring injuries or impairments result in lasting disabilities, ensuring financial protection for policyholders and their families.
This coverage helps individuals maintain their quality of life and financial stability during challenging times, providing a safety net that extends beyond the immediate aftermath of an accident.
Financial Security
In the event of a lasting impairment due to an accident, you will receive either a lump sum payment or monthly accident pension.
Simple Process
We handle the entire process for you - both in English and German.
Full Support
We are easily and digitally accessible to you, according to your needs.
Benefits of a Private Accident Insurance
Why Should I Get Private Accident Insurance?
Benefits of a Private Accident Insurance
Why Should I Get Private Accident Insurance?
Benefits of a Private Accident Insurance
Why Should I Get Private Accident Insurance?
Disability Benefits
In the event of permanent impairment as a result of an accident, the disability benefit of private accident insurance pays out a predetermined sum of money.
Accident Benefit
The accident benefit is a regular payment granted in the event of permanent impairment due to an accident.
Survior Protection
Survivor protection provides financial support for your dependents or survivors in the event of your death due to an accident
Rescue Cost
Rescue costs cover the expenses that may be incurred for your rescue and recovery in the event of an accident. This includes rescue services or transport from impassable terrain.
Cosmetic Surgeries
Private accident insurance may also cover cosmetic surgery required as a result of an accident to correct external injuries or scars.
Daily Sickness Benefit
The daily sickness benefit provides financial support if you are unable to work due to an accident and suffer a loss of income as a result.
Daily Hospital Benefit
The daily hospital benefit covers the additional costs that may arise during a hospital stay due to an accident.
Transitional Service
The transitional benefit provides financial support for the period during which you have not yet been compensated by the health insurance fund due to an accident.
Better Safe Than Sorry
Who Needs Private Accident Insurance?
Who Needs Private Accident Insurance?
Pensioner
During retirement, older individuals are not covered by either public accident insurance or job disability insurance. This makes them more susceptible to the potentially more severe consequences of accidents, which can be particularly challenging for seniors.
Pensioner
During retirement, older individuals are not covered by either public accident insurance or job disability insurance. This makes them more susceptible to the potentially more severe consequences of accidents, which can be particularly challenging for seniors.
Pensioner
During retirement, older individuals are not covered by either public accident insurance or job disability insurance. This makes them more susceptible to the potentially more severe consequences of accidents, which can be particularly challenging for seniors.
Homemaker
Accident insurance can extend its protective benefits to your spouse or registered partner, ensuring comprehensive coverage for both you and your loved one in the face of unexpected events.
Homemaker
Accident insurance can extend its protective benefits to your spouse or registered partner, ensuring comprehensive coverage for both you and your loved one in the face of unexpected events.
Homemaker
Accident insurance can extend its protective benefits to your spouse or registered partner, ensuring comprehensive coverage for both you and your loved one in the face of unexpected events.
Children
Children frequently exhibit high levels of activity and curiosity, qualities that contribute to their growth and development. Yet, it's essential to recognize that these traits can also heighten the potential for accidents.
Children
Children frequently exhibit high levels of activity and curiosity, qualities that contribute to their growth and development. Yet, it's essential to recognize that these traits can also heighten the potential for accidents.
Children
Children frequently exhibit high levels of activity and curiosity, qualities that contribute to their growth and development. Yet, it's essential to recognize that these traits can also heighten the potential for accidents.
Athletes
For enthusiasts of high-risk sports such as mountain climbing or motor sports, private accident insurance offers key protection and the security that allows to pursue adventurous passions without worry.
Athletes
For enthusiasts of high-risk sports such as mountain climbing or motor sports, private accident insurance offers key protection and the security that allows to pursue adventurous passions without worry.
Athletes
For enthusiasts of high-risk sports such as mountain climbing or motor sports, private accident insurance offers key protection and the security that allows to pursue adventurous passions without worry.
Understanding the Differences
What Are the Differences Between
Public and Private Accident Insurance?
What's the difference between public and private accident insurance?
What Are The Differences Between Public and Private Accident Insurance?
Public Accident Insurance
Primarily covers accidents that occur in public spaces or during public activities, offering benefits like medical expense coverage and disability benefits to individuals involved in such incidents.
In a Nutshell:
Only pays out benefits when there is a decrease in earning capability amounting to a minimum of 20%
Payment is made to employees, pupils, students, and voluntarily insured self-employed persons
Pays benefits for rehabilitation, participation in working life, need for long-term care
Covers only Job accidents, commuting accidents and diseases due to Job
Public Accident Insurance
Primarily covers accidents that occur in public spaces or during public activities, offering benefits like medical expense coverage and disability benefits to individuals involved in such incidents.
In a Nutshell:
Only pays out benefits when there is a decrease in earning capability amounting to a minimum of 20%
Payment is made to employees, pupils, students, and voluntarily insured self-employed persons
Pays benefits for rehabilitation, participation in working life, need for long-term care
Covers only Job accidents, commuting accidents and diseases due to Job
Public Accident Insurance
Primarily covers accidents that occur in public spaces or during public activities, offering benefits like medical expense coverage and disability benefits to individuals involved in such incidents.
In a Nutshell:
Only pays out benefits when there is a decrease in earning capability amounting to a minimum of 20%
Payment is made to employees, pupils, students, and voluntarily insured self-employed persons
Pays benefits for rehabilitation, participation in working life, need for long-term care
Covers only Job accidents, commuting accidents and diseases due to Job
Private Accident Insurance
Private accident insurance is typically tailored to an individual's specific needs and can cover accidents that happen both in public and private settings, including home and work.
In a Nutshell:
It provides coverage starting at a lower permanent impairment threshold
Provides more comprehensive protection in all areas of life
Provides a one-time lump sum payment or potentially a monthly accident pension
Payment is made directly to policyholder
Private Accident Insurance
Private accident insurance is typically tailored to an individual's specific needs and can cover accidents that happen both in public and private settings, including home and work.
In a Nutshell:
It provides coverage starting at a lower permanent impairment threshold
Provides more comprehensive protection in all areas of life
Provides a one-time lump sum payment or potentially a monthly accident pension
Payment is made directly to policyholder
Private Accident Insurance
Private accident insurance is typically tailored to an individual's specific needs and can cover accidents that happen both in public and private settings, including home and work.
In a Nutshell:
It provides coverage starting at a lower permanent impairment threshold
Provides more comprehensive protection in all areas of life
Provides a one-time lump sum payment or potentially a monthly accident pension
Payment is made directly to policyholder
Everything About Private Accident Insurance
FAQ
FAQ
FAQ
Under what circumstances is private accident insurance valid?
What constitutes an accident for insurance companies?
Am I also insured when traveling abroad?
Why is accident insurance particularly important for children?
What is progression?
