Accident InsuranceGermany
Comprehensive protection for residents and expats in Germany. 24/7 worldwide coverage starting from €5/month.
Why Accident Insurance is Essential in Germany
About 8.7 million accidents happen in Germany annually. While statutory insurance covers work accidents, 70% of accidents occur during leisure time - at home, sports, or hobbies - which are NOT covered by statutory insurance.
Why Choose Private Accident Insurance?
Complete protection that statutory insurance doesn't provide.
From €5/Month
Affordable Coverage
24/7 Coverage
Worldwide Protection
70% Leisure
Accidents Covered
Fast Claims
Quick Processing
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What Accident Insurance Covers
Starting from €5/month
Disability Benefits
Lump sum payment based on degree of disability using standardized Gliedertaxe scale. Covers permanent impairments.
Death Benefits
Financial protection for your family. Lump sum payment to beneficiaries. Typically €50,000-€500,000 available.
Hospital Allowance
Krankenhaustagegeld pays €10-100/day during hospital stays. Covers extra expenses during recovery.
24/7 Worldwide
Protected around the clock, everywhere in the world. Leisure, sports, travel, and home accidents all covered.
Rehabilitation
Covers physiotherapy, occupational therapy, and rehabilitation. Helps you recover faster.
Cosmetic Surgery
Many policies cover cosmetic procedures needed after accidents. Restore appearance after injury.
Frequently Asked Questions
Everything about accident insurance in Germany
What does accident insurance cover in Germany?
Accident insurance (Unfallversicherung) in Germany covers financial losses from accidents including: death benefits (Todesfallleistung), permanent disability payments (Invaliditätsleistung), temporary disability benefits, hospital daily allowance (Krankenhaustagegeld), medical treatment costs, rehabilitation expenses, and often cosmetic surgery after accidents. Coverage applies 24/7 worldwide.
How much does accident insurance cost in Germany?
Personal accident insurance in Germany typically costs between €5-30 per month depending on coverage levels. Basic policies start around €5/month, comprehensive coverage runs €15-20/month, and premium plans with high benefit amounts can cost €25-30/month. Family policies offer discounts for multiple people.
Is accident insurance mandatory in Germany?
Private accident insurance is voluntary in Germany. However, statutory accident insurance (gesetzliche Unfallversicherung) through BG is mandatory for employees and covers work-related accidents only. Private insurance is recommended to cover leisure time accidents which represent about 70% of all accidents.
What is the difference between statutory and private accident insurance?
Statutory insurance (through BG) only covers work-related accidents and commuting. Private accident insurance covers all accidents 24/7, including leisure, sports, and home accidents. Private policies also offer higher benefit amounts and more comprehensive coverage options like hospital daily allowance.
How do accident insurance payouts work in Germany?
Payouts depend on the type of injury. Permanent disability is calculated using the 'Gliedertaxe' - a standardized scale that assigns percentage values to different body parts. For example, losing a thumb might equal 20% disability. The payout = disability percentage x insured sum. Death benefits pay a lump sum to beneficiaries.
Can foreigners get accident insurance in Germany?
Yes, anyone residing in Germany can purchase private accident insurance regardless of nationality. Many insurers offer English-language support for expats. EU citizens and non-EU residents with valid residence permits can easily obtain coverage.
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