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Private Accident Insurance

The Underestimated Risk

A serious accident happens in Germany every 4 seconds and most of the victims are not covered by public accident insurance.
Private insurance is economical and essential in case of a horrible scenario:

being unable to work again, loss of income, being physically restricted or ending up in a wheelchair. No one really wants to think about this, but it's part of the real world.

The problem:
  • Employees are only publicly insured through their employer at the work place, on business trips and directly on the way to and from work.
  • Free time activities are not covered - however, the majority of accidents occur outside of work.
  • Many self employed and freelancers are not insured at all through public accident insurance.
  • Pensioners and housewives / househusbands are equally not insured. 
  • Children, school children and students are only publicly insured at a school or other learning institute or directly on the way to and from there. Accidents outside of school caused while playing, for example, are not covered.
  • Over 6 million people a year in Germany have some kind of accident. Some of them are so badly injured that they can never work again. Nearly 200,000 people a year end up physically unfit to carry on with their job.
What are the advantages of a private accident insurance?
  • 24 hour cover worldwide
  • Flexible tariff combinations
  • The more serious the lasting injury is the higher the pay out
  • Life long monthly pension can be included
  • Tax free lump sums can be part of the insurance cover
  • Financial help to convert your house or flat in case of your disability

Actually, the streets in life are quite safe today - it's the people on them who aren't.
(Author: Unknown) 

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Published | 31/03/2012 |