Accident insurance around the world - around the clock

In addition to the lump-sum payment of benefits in the event of an accident, a distinction is made between two stages of compensation for a lifetime accident pension. In general, you are entitled to an accident pension of 500 euros for life from a 50% impairment level (disability level) or more. If the impairment is valued above 90 percent, the monthly accident pension benefits double to 1,000 euros.

In addition to the lump-sum payment of benefits in the event of an accident, a distinction is made between two stages of compensation for a lifetime accident pension. In general, you are entitled to an accident pension of 500 euros for life from a 50% impairment level (disability level) or more. If the impairment is valued above 90 percent, the monthly accident pension benefits double to 1,000 euros.

Basically, there is always the insured person specified in the contract. In addition, the accident insurance automatically adapts to changing circumstances. If you marry, your spouse is insured for 12 months after the marital dissolution at no additional charge. Similarly, a newborn child is insured for 12 months from birth as well as an adopted child up to the age of 14 from adoption (see conditions of family pension insurance).

Accident insurance is almost indispensable for children and adolescents. Children, young people and people who play sports are always protected from the consequences of serious accidents - for example during a sporting activity or the fall of play equipment - which can have far-reaching health consequences. This is emotionally and financially stressful for family members. If health insurance no longer offers protection, only accident insurance will cover the costs. Children's accident insurance is a “life insurance” for children as it initially guarantees financial support and, after severity, a lifetime pension.

Progression is an increase in the performance of the accident insurance. If there is a permanent impairment due to an accident and you have chosen to progress in your contract, the compensation payment increases with each percentage point from a 25 percent reduction. The progress is the performance improvement of the accident insurance, which means that the more serious the consequences of the accident, the higher the multiplication of the agreed insurance amount.

In the case of permanent health impairment after an accident, two factors determine the amount of the insurance benefit: the agreed insurance amount and the specific degree of impairment (disability level). We recommend to agree on a sufficiently high insurance amount. Please take advantage of our experience and contact our consultants.

Disability level refers to the degree to which a person is permanently mentally or physically impaired after a serious accident. The corresponding degree of disability can be determined by the so-called limb score. For example, if someone loses an arm due to an accident, it corresponds to 80 percent disability according to the accident insurance measure.