AccidentCover
Financial protection for life's unexpected moments. All accidents, everywhere, anytime - from just €5/month.
All Accidents Covered
Comprehensive protection wherever you are
Accident Cover Calculator
Compare accident cover plans from top German insurers. Get personalized quotes in minutes.
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Why You Need Accident Cover
Starting from €5/month
Complete Protection
Covers all types of accidents - at home, during sports, while traveling, or anywhere else. No gaps in your protection.
Financial Security
Lump sum payments give you flexibility. Use funds for medical bills, lost income, home modifications, or daily expenses.
Fast Claims
Quick claims processing. Most payouts within 2-4 weeks. No complicated bureaucracy or endless paperwork.
Worldwide Coverage
Protected wherever you go. Vacation accidents, business trips, and everyday activities all covered globally.
No Medical Exam
Easy enrollment without medical examinations. Simple application, fast approval. Get covered immediately.
Home Accidents
70% of accidents happen at home or during leisure. Statutory insurance doesn't cover these - accident cover does.
Frequently Asked Questions
Common questions about accident cover
What is accident cover?
Accident cover is insurance protection that pays out if you're injured in an accident. It provides financial compensation for injuries, disability, and death caused by accidents. Unlike health insurance which pays medical bills, accident cover gives you a lump sum payment you can use however you need.
What types of accidents are covered?
Accident cover protects you from virtually all types of accidents including: home accidents (falls, cuts, burns), sports injuries, traffic accidents (as pedestrian, cyclist, or passenger), workplace incidents, leisure activities, travel accidents, and more. Coverage is 24/7 and typically worldwide.
How much does accident cover cost?
Accident cover is very affordable, typically costing €5-20 per month for comprehensive protection. Basic plans start around €5/month, standard coverage runs €10-12/month, and premium plans with high benefit amounts cost €15-20/month.
Is accident cover the same as life insurance?
No, they're different. Life insurance pays out on death from any cause (illness or accident). Accident cover only pays for accident-related events but provides broader benefits including disability payments, hospital allowances, and injury compensation while you're alive.
Do I need accident cover if I have health insurance?
Yes, they serve different purposes. Health insurance pays your medical bills. Accident cover provides additional lump sum payments for lost income, disability adaptation costs, and financial hardship that medical bills alone don't address. They complement each other.
How quickly does accident cover pay out?
Most insurers process accident claims within 2-4 weeks after receiving complete documentation. For clear-cut cases like fractures or hospital stays, some insurers offer expedited payments within days. Death benefits typically pay within 4-6 weeks.
Get Covered Today
Comprehensive accident cover from €5/month. Compare and save now.