Accidents can change a life in a moment. A fall on the ice, a bicycle crash, a sports injury or an accident at home. The causes are many, and the consequences are sometimes serious and permanent. Accident insurance (Unfallversicherung) gives financial support when an accident leads to lasting impairment or other serious consequences, and helps you keep your finances stable in a difficult time.
Germany has statutory accident insurance (gesetzliche Unfallversicherung), which covers employees against workplace accidents and occupational diseases. It covers only accidents connected with work, though. Accidents in your free time, during sport, at home or in traffic as a pedestrian or cyclist are generally not covered by statutory accident insurance. Private accident insurance closes this important and often underestimated gap.
Private accident insurance pays when an accident causes a lasting impairment of physical or mental capacity, known as invalidity (Invalidität). The sum insured is then paid out according to the degree of invalidity. Depending on what you agree, further benefits can be included, such as daily allowance during incapacity for work, hospital daily allowance, spa treatment costs or a death benefit for surviving dependants. This lets you fit the cover to your personal needs.
Accident insurance is for everyone who wants to protect themselves against the financial consequences of accidents outside the workplace. It is especially worth considering for self-employed people and freelancers without statutory accident insurance, for physically active people with a higher accident risk, and for children and older people, who statistically have accidents more often.
When choosing accident insurance, the sum insured, the schedule of limb values (Gliedertaxe), the progression factor, the definition of an accident and any additional benefits are important criteria.
We help you find the right policy for your own situation, so you are financially protected if the worst happens.
Accident insurance benefits
Core benefits (all tariffs): invalidity benefit (one-off lump sum for permanent impairment), 24h accident advice worldwide, back-to-fitness benefits (Wieder-Fit-Leistungen) up to €10,000, cosmetic surgery up to €100,000, rescue/recovery up to €100,000, progression 500 (up to 5 times the sum insured), indexation of at least 5% a year.
From Smart: immediate payment for serious injuries, 10% of the sum insured (max. €25,000).
From Komfort: TopSchutz (maximum benefit from 50% invalidity), accident pension (for life from 50%), hospital daily allowance €5/day (doubled from day 4), Rundum Service (home help, transport services for up to 6 months), Unfallhilfe-Family, death benefit €10,000.
Premium in addition: hospital daily allowance €15/day, death benefit €40,000, therapy costs up to €10,000, acute payment up to €3,000 for broken bones and torn ligaments.
Valid worldwide 24/7, at work and in private life. No age limit for taking out the policy. Also applies when working from home.
