Personal AccidentPlan
Your financial safety net for life's unexpected moments. Comprehensive coverage from €5/month with up to €500,000 protection.
Why Choose a Personal Accident Plan?
Financial protection that gives you flexibility and peace of mind.
Tax-Free
Lump Sum Payouts
Fast Claims
Quick Processing
Worldwide
24/7 Coverage
Flexible
Use of Funds
Personal Accident Plan Calculator
Compare plans from top German insurers. Find the perfect coverage for your needs.
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What Your Plan Covers
Starting from €5/month
Death Benefit
Lump sum payment to your beneficiaries if you die in an accident. Provides financial security for your family.
Permanent Disability
Full or partial payout based on disability degree. Uses standardized scale (Gliedertaxe) to determine compensation.
Temporary Disability
Daily or weekly benefits during recovery period. Helps replace lost income while you're unable to work.
Hospital Cash
Daily allowance during hospital stays. Covers extra expenses and provides additional income during treatment.
Medical Expenses
Covers treatment costs beyond health insurance. Includes specialized care and alternative therapies.
Rehabilitation
Full rehabilitation support including physiotherapy, occupational therapy, and retraining if needed.
Frequently Asked Questions
Everything you need to know about personal accident plans
What is a personal accident plan?
A personal accident plan is an insurance policy that provides financial protection if you suffer an accident resulting in injury, disability, or death. Unlike health insurance, it pays lump sum benefits that you can use freely - for medical bills, living expenses, home modifications, or anything else you need during recovery.
What does a personal accident plan cover?
Personal accident plans typically cover: accidental death (lump sum to beneficiaries), permanent total disability (100% of insured sum), permanent partial disability (percentage based on injury severity), temporary disability (daily/weekly benefits), hospital cash allowance, medical expenses, rehabilitation costs, and often additional benefits like fracture payments.
How much personal accident coverage do I need?
Financial experts recommend coverage of 3-5 times your annual income for death/disability benefits. For example, if you earn €50,000/year, aim for €150,000-€250,000 coverage. Consider your family's needs, existing savings, mortgage, and dependents when choosing coverage amounts.
How much does a personal accident plan cost?
Personal accident plans are very affordable, typically costing €5-25 per month depending on coverage levels. Basic plans start around €5/month, comprehensive coverage runs €10-15/month, and premium plans with high benefit amounts cost €20-25/month. Age, occupation, and hobbies can affect pricing.
Is personal accident insurance worth it?
Yes, personal accident insurance is highly recommended because: it covers the 70% of accidents that happen outside work (not covered by statutory insurance), provides tax-free lump sum payments, costs very little compared to potential benefits, and gives financial security if you can't work after an accident.
Can I have multiple personal accident plans?
Yes, you can have multiple accident insurance policies and claim from all of them simultaneously. Unlike health insurance which reimburses actual costs, accident insurance pays agreed lump sums regardless of other coverage. This makes combining policies a valid strategy for higher protection.
Find Your Perfect Plan
Compare personal accident plans from top insurers. Coverage from €5/month.