Accident InjuryInsurance
Financial protection for all types of injuries. From minor fractures to major trauma - comprehensive coverage from €5/month.
Injuries We Cover
Comprehensive protection for all types of physical injuries
Injury Insurance Calculator
Compare accident injury insurance plans from top German insurers. Get personalized quotes in minutes.
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Benefits of Accident Injury Insurance
Starting from €5/month
All Injuries Covered
From minor cuts to major trauma. Fractures, sprains, burns, head injuries - comprehensive protection for any accident-related injury.
Sports Injuries
Recreational sports covered as standard. Skiing, cycling, swimming, gym workouts - stay active without worry.
Rehabilitation
Covers physiotherapy, occupational therapy, and rehabilitation costs. Get back to full health faster.
Medical Expenses
Additional coverage for treatment costs not covered by health insurance. Specialist care, alternative therapies included.
No Medical Exam
Simple application without medical examinations. Fast approval process. Coverage can start within 24 hours.
Fracture Payments
Many policies include immediate fracture benefits. Get fast payment for common injuries like broken bones.
Frequently Asked Questions
Common questions about accident injury insurance
What is accident injury insurance?
Accident injury insurance provides financial compensation when you suffer physical injuries from accidents. It pays lump sum benefits based on the type and severity of injury, helping cover medical expenses, lost income, and other costs during your recovery.
What injuries does accident injury insurance cover?
Accident injury insurance covers virtually all types of physical injuries from accidents including: fractures and broken bones, sprains and strains, cuts and lacerations, burns, head injuries and concussions, spinal injuries, loss of limbs or digits, eye injuries, internal injuries, and more.
How are injury payouts calculated?
Payouts are based on the 'Gliedertaxe' - a standardized scale that assigns percentage values to different body parts and injury types. For example, losing a thumb equals 20% disability, while losing an arm equals 70%. The payout = disability percentage × insured sum.
Does accident injury insurance cover sports injuries?
Yes, most policies cover sports injuries from recreational activities. Standard coverage includes common sports like cycling, skiing, and fitness. High-risk sports like climbing, martial arts, or motorsports may require additional coverage or a premium upgrade.
What if I already have health insurance?
Health insurance and accident injury insurance serve different purposes. Health insurance pays medical providers directly for treatment costs. Accident injury insurance pays YOU a lump sum that you can use freely - for living expenses, rehabilitation, home modifications, or anything else.
How quickly can I get accident injury coverage?
Coverage can start immediately or within 24-48 hours of application approval. Many insurers offer instant online enrollment with immediate coverage start dates. No medical examination is required for most standard policies.
Protect Against Injuries
Comprehensive injury coverage from €5/month. Compare plans now.