When it comes to accident protection, many people wrongly assume that statutory accident insurance pays enough if something happens. That is not the case. First, statutory accident insurance (GUV) only covers accidents at work and on commuting routes, as well as occupational diseases. Accidents at work are accidents that insured persons suffer in the course of their work and on direct work-related journeys. Second, GUV benefits often do not cover the high costs of accident consequences—for example modifications to a house or flat, cosmetic surgery, or more extensive treatment.
Besides this gap in GUV cover, the statistics also argue for private accident protection. Most accidents occur in leisure time and in the home, i.e. outside the work environment described above. The result: someone injured in an accident at home or while pursuing a hobby receives no benefits from GUV.
That is why private accident protection matters. Here you can achieve not only higher sums insured or an accident annuity—private accident cover also protects the insured person around the clock, worldwide, regardless of the activity involved when the accident occurs.
There is a wide range of accident insurance tariffs that differ not only in price but also in quality. Some important criteria when choosing a tariff:
We recommend obtaining professional advice before taking out cover and having tariffs and their terms compared in detail.
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