Accident InsuranceCompare
Protect yourself from the financial consequences of accidents. Compare policies from Germany's leading providers and find optimal protection for your needs.
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Comprehensive Accident Protection
Affordable protection starting from low monthly premiums
Disability Benefits
Financial support for permanent impairments from accidents. Comprehensive insurance coverage.
Accident Pension
Monthly pension for severe accidents and permanent disability for financial security.
Death Benefits
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.
Assistance Services
Comprehensive emergency help: rescue, transport, medical repatriation, and rehabilitation measures.
Progressive Benefits
Higher benefits for severe accidents through progressive benefit scale.
Frequently Asked Questions
Everything you need to know about accident insurance
When does accident insurance pay out?
Accident insurance pays for accidents that suddenly, externally and involuntarily affect the body. This includes falls, sports injuries, traffic accidents, and workplace accidents.
What's the difference to statutory accident insurance?
Statutory accident insurance only covers work-related and commuting accidents. Private accident insurance protects around the clock - also during leisure time, sports, and household activities.
How is the degree of disability calculated?
The degree of disability is calculated according to the limb tax table. This provides a fixed percentage for each body part. Partial losses are calculated proportionally.
What does progression mean in accident insurance?
With progressive tariffs, benefits increase disproportionately with the degree of disability - especially important for severe accidents.
Are pre-existing conditions a problem?
Most accident insurance policies have no health examination. What's important is only that the accident is the cause of the disability, not an already existing illness.
How high should the insurance sum be?
Experts recommend 3-5 times the gross annual income as a basic sum. With progressive tariffs, a lower basic sum is often sufficient, as benefits increase significantly for severe accidents.
Protect Yourself Today Against Accident Risks
Don't wait until it's too late. Compare accident insurance now and secure comprehensive protection from trusted providers.