What is accident insurance?
Accident insurance pays out a one-time sum if you (or someone in your household, if you insure the entire family) become disabled or die as a result of an accident. This payout only applies in the event of an accident. If you become disabled or die as a result of an illness, the insurance will not pay out.
Why take out accident insurance?
If you become disabled or die as a result of an accident, you or your loved ones will be faced with expenses and often a loss of income. To help offset this, you can take out accident insurance.
Does accident insurance also cover accidents abroad or at work?
Accident insurance also pays out if you have an accident while on vacation abroad and become disabled or die as a result. However, if you move abroad, your accident insurance will cease.
Becoming disabled or dying as a result of an accident at work is also covered. Your employer often has a collective accident insurance policy in place, but with the accident insurance you have taken out, you have an additional safety net.
Accident insurance for yourself or your entire family
If you want to insure your family members in addition to yourself in the event of an accident, you can take out family accident insurance. Your partner and children will also be covered if they become disabled or die as a result of an accident.
How much does accident insurance cost?
The amount of the insurance premium depends in part on the amount you wish to receive as a payout, as well as whether you are taking out accident insurance for yourself or your entire family. However, given the small chance of becoming disabled or dying as a result of an accident, you can be insured for just a few euros per month.
Need for broader coverage?
Disability can result in the inability to work or reduced work capacity. With disability insurance, you can partially offset this loss of income. In addition, a life insurance policy offers broader coverage. This means that not only are payouts available for accidents, but you can also choose higher payouts that come into effect after death.
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