Accident insurance

Because Legal Insurance Offers Limited Coverage

When it comes to accident protection, there's a common misconception that legal accident insurance provides adequate coverage if something happens. However, this is not the case. Legal accident insurance (GUV) only covers workplace accidents, commuting accidents, and occupational diseases. Workplace accidents are incidents that occur while you're working or on direct business paths. Additionally, the benefits of GUV often do not cover the high costs of accident consequences, such as home renovation, cosmetic surgeries, or more complex treatments.

Beyond the limitation of GUV, statistics also favor personal accident protection. Most accidents occur during leisure time and at home, outside the workplace environment. This means you won't receive any benefits from GUV for accidents that happen at home or while enjoying hobbies. 
That's why personal accident protection is essential. Not only does it offer higher insurance sums or even an accident pension, but it also provides round-the-clock protection worldwide, regardless of the activity in which an accident occurs.

What Should You Look for in a Private Accident Insurance?

There is a multitude of accident insurance plans that vary not only in price but also in quality. Some crucial criteria to consider when choosing a plan:

• Insurance sum/ invalidity benefit
• Configuration of the disablement scale
• Inclusion of an accident pension
• Sum for a fatality
• Interim and immediate benefits
• Coverage for cosmetic surgeries
• Hospital daily allowance
• Infectious diseases (like tick bites) and vaccine damages
• Dental replacements
• Other conditions like alcohol clauses or negligence

I highly recommend seeking professional advice before making a decision, and having the plans and their terms compared in detail for you.