In its classic form, accident insurance (Unfallversicherung) protects you in the event of lasting physical harm from accidents. Kapital-UnfallSchutz adds an investment component to this idea: it combines accident cover with a savings element, so that a sum of capital is available at the end of the term, whether or not an accident has happened. It therefore serves two goals at once.
Germany has a wide range of insurance products that combine protection needs with savings goals. Kapital-UnfallSchutz follows this proven principle: part of the monthly premium goes into accident cover, and another part is invested and grows over the term of the contract. At the end, the policyholder receives a payout that can be used for different purposes, such as retirement provision, a large purchase or a reserve for unexpected expenses. The combination gives flexibility and security together.
The main difference from pure accident insurance is this savings element. Pure accident insurance only pays when a claim occurs, while Kapital-UnfallSchutz builds up capital at the same time. That makes it interesting for people who want to prepare for an emergency and also pursue a medium-term savings goal, without taking out two separate products and paying double administration costs.
Kapital-UnfallSchutz is for people who want a savings component alongside accident cover and are ready to pay higher premiums than for pure accident insurance. It is especially interesting for people who want to build capital over the medium term without giving up reliable insurance cover. For people who plan ahead, this is an attractive concept.
When you assess a Kapital-UnfallSchutz product, look at the return on the savings element, the cost structure, the accident cover included, the flexibility of the contract and the tax treatment of payouts.
We help you weigh the pros and cons of different offers and make the right decision for your personal situation.
Kapital-UnfallSchutz benefits
Disability benefit: lump sum for permanent consequences of an accident, from 1% or 20% (your choice), sum insured €20,000 to €500,000. TopSchutz: from 50%, five times the sum insured, max. 2.5 million euros.
Broad accident cover: own movement, stroke, heart attack, taking medication, influence of alcohol (except in a motor vehicle from 1.1 per mille), vaccinations, poisoning, tick bites, suffocation, drowning, freezing. Risky hobbies without a surcharge.
Personal accident adviser. Cosmetic surgery up to €50,000, dental treatment and replacement up to €50,000, recovery up to €50,000, aids up to €10,000.
Capital build-up: ongoing premiums have a guarantee of at least 100 to 112% of the invested capital. Single premium has a guarantee of 115 to 133%. Surplus participation on top. Maturity benefit can be drawn up to 3 years before the end of the contract. Partial withdrawals possible.
Optional modules: Wieder-Fit (€10,000), Rundum-Service, accident pension (lifelong from 50%), acute benefit (€3,000), hospital daily allowance, death benefit.
KUS mit Pflege: lifelong care pension from care level 3 (Pflegegrad): 50% at PG3, 80% at PG4, 100% at PG5, at least €300. Minimum term 12 years, children up to 13, adults 14 to 81.
