Unfallversicherung(Accident Insurance) Explained
New to Germany? Unfallversicherung protects you from financial consequences of accidents - whether at home, during sports, or while traveling. Unlike statutory insurance, it covers you 24/7, not just at work.
Key German Terms
Tip for Newcomers
In Germany, statutory accident insurance (gesetzliche Unfallversicherung) only covers work-related accidents and your commute. Private accident insurance (private Unfallversicherung) is essential for 24/7 protection during leisure activities, sports, and household tasks. Most German families have this coverage - it is considered a basic protection alongside liability insurance.
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Comprehensive Accident Protection
Affordable protection starting from low monthly premiums
Disability Benefits (Invaliditat)
Financial support for permanent impairments from accidents. Comprehensive insurance coverage for your long-term security.
Accident Pension (Unfallrente)
Monthly pension for severe accidents and permanent disability for financial security - especially important for expats without German pension claims.
Death Benefits (Todesfallleistung)
Financial security for surviving family members in case of accidental death. Immediate help in difficult times.
24/7 Worldwide Coverage
Complete protection around the clock, valid worldwide. Whether at work, at home, or traveling back to your home country.
Assistance Services (Bergungskosten)
Comprehensive emergency help: rescue, transport, medical repatriation, and rehabilitation measures included.
Progressive Benefits (Progression)
Higher benefits for severe accidents through progressive benefit scale - your payout increases disproportionately with severity.
Common Questions from Newcomers
Everything expats need to know about accident insurance in Germany
Do I need private accident insurance if I'm employed in Germany?
Yes, definitely! While your employer provides statutory accident insurance (gesetzliche Unfallversicherung), it ONLY covers accidents at work and during your commute. Private accident insurance protects you during leisure time, sports, household activities, and vacations - which is when most accidents actually happen.
What's the difference between German statutory and private accident insurance?
Statutory accident insurance (gesetzliche Unfallversicherung) only covers work-related and commuting accidents. Private accident insurance (private Unfallversicherung) protects around the clock - also during leisure time, sports, and household activities. As an expat, private coverage is essential for complete protection.
How is the degree of disability (Invaliditatsgrad) calculated?
The degree of disability is calculated according to the 'Gliedertaxe' (limb value table). This provides a fixed percentage for each body part. For example, loss of a thumb = 20%, loss of sight in one eye = 50%. Partial losses are calculated proportionally.
What does 'Progression' mean in accident insurance?
Progression means your payout increases disproportionately with higher disability degrees. For example, with 500% progression: 25% disability = 75% of insured sum, 50% disability = 250% of insured sum. This is especially important for severe accidents.
Do I need a health examination (Gesundheitsprufung)?
Most accident insurance policies have NO health examination required. What matters is only that the accident is the cause of the disability, not a pre-existing condition. This makes it accessible for newcomers without German medical history.
How much coverage (Versicherungssumme) do I need?
Experts recommend 3-5 times your gross annual income as a base sum. With progressive tariffs, a lower base sum is often sufficient, as benefits increase significantly for severe accidents. For example: 50,000 EUR income = 150,000-250,000 EUR base coverage.
Is there a waiting period before coverage starts?
No! Unlike many other insurance types, accident insurance typically provides immediate coverage from the policy start date. There is no waiting period - you are protected from day one.
Can I get accident insurance without German language skills?
Yes! Many providers offer English-language support and documentation. Our comparison platform is in English, and we connect you with insurers who can assist in English throughout the claims process.
Legal Disclaimer
This information is provided for general guidance only and does not constitute legal or financial advice. Insurance products are subject to German insurance law (Versicherungsvertragsgesetz - VVG). Coverage details, terms, and conditions vary by provider. We recommend consulting with a licensed insurance advisor for personalized recommendations. All insurance contracts are concluded directly with the respective insurance company. meinetarife24.de acts as an independent comparison platform and receives commissions from partner insurers.
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