Personal Accident Insurance

The main reason why anybody should consider to invest money in a personal accident is to receive financial help in the event of a severe injury as a result of an accident, illness or if the insured person suffers a fatal accident.

• Lump-sum payment in the event of disability
• Progression in the event of full disability
• Lump-sum payment in the event of death
• Hospital per diem allowance
• Interim money
• Pension

• Accident caused by an illness or weakness
• Intoxication (e.g. caused by alcohol)
• Premium-free in the event of the policy holder passing away
• Self-inflicted injuries caused by exertion of force
• Self-inflicted injuries caused by making a wrong movement
• Death or injury caused by frost
• Suffocation / Drowning
• Gas poisoning
• Food poisoning
• Dread diseases (e.g. heart attack, stroke)
• Infectious diseases
• Vaccine damages
• Insect bites / stings
• Civil commotion (only if passively involved)
• Acts of terror (covered in combination with war or civil war)
• Hospital per diem allowance abroad (same as inland but the daily allowance is doubled)
• Hosptial per diem allowance as a day-patient
• Hospital per diem allowance as a coma patient (30 Euros per day)
• Recuperation cash (The same days you spent in hosptial you will get again as an additional payment)
• Rooming-in (up to 60,- Euros per day)
• Psychological treatment (up to 1.000 Euros)
• Rescue of man and property (bodily injuries are covered to save life or salvage property)
• Additional payment of 20.000 Euros to cover the costs of a severe disability
• Additional one-off payment as house owner, e.g.:
  • 50.000 Euros in the first year of possession
  • 45.000 Euros in the second year
  • 40.000 Euros in the third year
  • 35.000 Euros in the fourth year
  • 30.000 Euros in the fifth year
• Racing events with motorised vehicles (generally just kart racing)
• Radiation damages
• Scuba diving injuries
• General poisoning of children up to the age of 14
• Dental treatment (prosthesis)
• Evacuation and repatriation
• Domestic help (if a partner or parent is also insured)
• Long Term Care (all 3 levels)
• Cosmetic operations
• Re-convalescence treatment (cures)
• Additional payment for disability-expenses in the event of a full disability
• Re-education costs, should the insured person have to learn a new profession
• Orphan's allowance
  Generally only if both parents pass away within one year due to the same incident. In these cases the insured child will receive a pension in form of the gross annual premium multiplied by 50.
• Broken bones
• Cancer