Accident Insurance 2026
Best accident insurance compared. Find the optimal protection for you and your family.
Compare Accident Insurance
Loading Accident Insurance Calculator...
Please wait a moment
Top Policies 2026
Die Haftpflichtkasse VHV
from 89/year
- Very good price-performance ratio
- 500% progression included
- Worldwide coverage
InterRisk XXL
from 145/year
- Comprehensive benefits
- No contributory negligence clause
- High death benefit
Allianz UnfallBest
from 175/year
- Premium coverage
- Cosmetic surgery included
- Rehab management
ADAC Unfallschutz
from 99/year
- Good basic coverage
- Member discount
- Affordable family tariffs
What You Should Look For
Disability Sum
At least 3 times gross annual salary. At 50,000 salary: minimum 150,000 basic sum.
Progression
At least 350%, better 500%. At full disability you receive 5 times the basic sum.
Limb Schedule
Improved limb schedule means higher benefits for certain injuries (e.g. thumb, eyes).
Statutory Accident Insurance Is Not Enough!
Statutory accident insurance only pays for work accidents and on the way to work. Over 70% of all accidents happen in leisure time, at home or during sports - there you are not covered without private accident insurance.
Frequently Asked Questions
Why do I need private accident insurance?
Statutory accident insurance only pays for work and commute accidents. Over 70% of all accidents happen in leisure time, at home or during sports - and are not covered.
How much does good accident insurance cost?
A solid accident insurance with 100,000 basic sum costs from about 100-150 per year. Premium tariffs with higher benefits and additional options cost 200-400.
Which benefits are important?
Important: High disability basic sum, progression (e.g. 500%), death benefit, hospital daily allowance, rescue costs and possibly accident pension for severe disability.
What does progression mean?
With a progression of e.g. 500%, the insurance sum is multiplied at high disability levels. At 100% disability, you receive 5 times the basic sum.
Who especially needs accident insurance?
Especially important for: Families with children, sole earners, active sportspeople, seniors, self-employed and all who have no or low disability insurance claims.