Group Personal AccidentInsurance
Protect your entire team with one policy. Save up to 50% compared to individual coverage. Comprehensive protection for businesses of all sizes.
Why Choose Group Accident Insurance?
Protect your employees with comprehensive coverage at significantly lower per-person costs.
Save 50%
vs Individual Policies
5+ Employees
Minimum Group Size
24/7 Coverage
Worldwide Protection
Simple Admin
One Policy, One Invoice
Group Insurance Calculator
Compare group accident insurance plans from top German insurers. Get personalized quotes for your team.
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Comprehensive Group Coverage
Starting from €3/person/month
Death Benefits
Lump sum payment to beneficiaries in case of accidental death. Typically €50,000-€500,000 per employee.
Disability Coverage
Permanent and temporary disability benefits. Scaled payouts based on disability percentage.
All Business Sizes
From small teams of 5 to corporations with 1000+ employees. Flexible coverage that scales.
24/7 Worldwide
Protection around the clock, globally. Work and leisure accidents covered for all employees.
Employee Benefit
Attractive benefit to recruit and retain talent. Shows you care about employee well-being.
Tax Efficient
Group insurance premiums are typically tax-deductible business expenses in Germany.
Frequently Asked Questions
Everything you need to know about group personal accident insurance
What is group personal accident insurance?
Group personal accident insurance is a policy that covers multiple people under one contract, typically employees of a company or members of an organization. It provides financial protection against accidental death, permanent disability, and temporary disability for all covered individuals at significantly lower per-person costs than individual policies.
How much does group personal accident insurance cost?
Group personal accident insurance typically costs 30-50% less per person than individual policies. For a company with 10-50 employees, costs can range from €3-15 per person per month depending on coverage levels, industry risk classification, and benefit amounts chosen.
Who can get group personal accident insurance?
Group personal accident insurance is available to businesses of all sizes, associations, clubs, schools, and organizations. Most insurers require a minimum of 5-10 people in the group. Coverage can include employees, members, volunteers, and in some cases, family members.
What does group personal accident insurance cover?
Standard coverage includes: accidental death benefits (lump sum payment), permanent total disability, permanent partial disability (percentage-based payouts), temporary disability (daily benefits), medical expenses from accidents, rehabilitation costs, and often additional benefits like transport and accommodation for family members.
Is group accident insurance mandatory in Germany?
While statutory accident insurance (gesetzliche Unfallversicherung) through BG is mandatory for employers, private group personal accident insurance is voluntary but highly recommended. It provides additional coverage beyond statutory requirements and covers non-work-related accidents that statutory insurance doesn't cover.
How do I set up group personal accident insurance for my company?
Setting up group insurance involves: determining the number of employees to cover, choosing coverage levels and benefit amounts, selecting additional options (worldwide coverage, 24/7 protection), getting quotes from multiple insurers, and completing the application. Many insurers offer online enrollment and administration portals.
Protect Your Team Today
Get comprehensive group accident insurance for your business. Save up to 50% compared to individual policies.