Safety at every stepPrivate accident insurance
An accident in Germany occurs every four seconds. For example, on the athletic field, at home or in the garden. In other words mostly after hours, when the statutory accident insurance is not in effect. Protect yourself and your family from the financial consequences of an accident: Private accident insurance covers all accidents of daily life. It applies everywhere, around the clock – regardless of whether accidents happen at home, when travelling, at work, in your free time or in road traffic.
Particularly important for people who are not employed
If the insured person has reached a certain age at the time of the accident (usually 65 or 70 years), many insurers pay a lifelong accident pension instead of a one-off payment. Accident insurance requires a much lower monthly premium than does disability insurance. For good reason – it only pays for accidental health impairment. However, 90 percent of all disability cases are not caused by accidents.