Personal AccidentInsurance
Your financial safety net for unexpected accidents. Comprehensive coverage from €5/month with tax-free payouts.
Why Personal Accident Insurance?
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What Personal Accident Insurance Covers
Starting from €5/month
Death Benefit
Financial security for your family. Lump sum payment to beneficiaries if you die in an accident. Typically €50,000-€500,000.
Disability Benefits
Compensation based on disability degree using Gliedertaxe scale. Full or partial payouts for permanent impairments from accidents.
Hospital Allowance
Daily cash benefit during hospital stays. €10-100/day to cover extra expenses and lost income during treatment.
All Locations
Protected everywhere - at home, during sports, while traveling, and during leisure activities. 24/7 coverage.
Rehabilitation
Covers physiotherapy, occupational therapy, and recovery costs. Get back to normal life faster.
Medical Expenses
Additional treatment costs beyond health insurance. Specialist care, alternative therapies, and medical devices.
Coverage Options
Choose the protection level that fits your needs
Basic
- Death benefit
- Permanent disability
- Basic Gliedertaxe
- Germany coverage
Comfort
- Enhanced benefits
- Improved Gliedertaxe
- Hospital allowance
- Worldwide coverage
- Rehabilitation
Premium
- Maximum benefits
- Best Gliedertaxe (500%)
- High hospital allowance
- 24/7 worldwide
- Full rehabilitation
- Cosmetic surgery
Frequently Asked Questions
Everything you need to know about personal accident insurance
What is personal accident insurance?
Personal accident insurance (Unfallversicherung) is coverage that pays financial benefits when you suffer an accident-related injury, disability, or death. It provides lump sum payments that you can use however you need - for medical expenses, lost income, lifestyle adaptations, or supporting your family.
What does personal accident insurance cover?
Personal accident insurance covers: accidental death (lump sum to beneficiaries), permanent total disability (full payout), permanent partial disability (scaled payout based on Gliedertaxe), temporary disability (daily benefits), hospital daily allowance, medical expenses, rehabilitation costs, rescue and recovery costs, and cosmetic surgery.
How much personal accident insurance do I need?
Financial experts recommend coverage of 3-5 times your annual income for disability. For a €50,000 salary, aim for €150,000-€250,000 coverage. Consider your family situation, debts, and living expenses. Higher coverage costs only marginally more - it's worth getting adequate protection.
Is personal accident insurance worth it?
Yes, personal accident insurance is highly worthwhile because: 1) It's very affordable (€5-20/month), 2) It covers the 70% of accidents happening during leisure (not covered by work insurance), 3) Payouts are tax-free lump sums, 4) You can claim from multiple policies simultaneously.
What's the difference between accident and health insurance?
Health insurance pays medical providers for treatment costs. Accident insurance pays YOU directly with lump sums you can use freely. They complement each other: health insurance covers doctor bills, while accident insurance covers income loss, disability adaptation, and financial hardship during recovery.
Can I get personal accident insurance with pre-existing conditions?
Yes, personal accident insurance generally doesn't require medical exams or health declarations. Pre-existing conditions don't affect coverage because it only pays for NEW accidents, not existing health issues. This makes it accessible to almost everyone.
Get Protected Today
Personal accident insurance from €5/month. Compare top insurers now.