Private Accident Insurance

“A casualty in an emergency can prevent the financial fiasco in 1 the General conditions of the accident insurance is laid down that an accident is when by a suddenly from the outside on their body acting event (accident) the insured person involuntarily suffers an impairment to health”. Also, injuries to joints, muscles, tendons, ligaments or capsules by increased effort of the limbs or spine fall under this definition. The statutory accident insurance protects you in accidents against the incapacity for work but only when such accidents happen your work on the way to work, when performing itself, or on the way home from work. The statutory accident insurance is so only in the case of accidents directly related with your work. But two-thirds of all accidents happen at home or during leisure time. Have you completed any private insurance in this case, you’re completely own up, without Insurance and a financial backing. A private accident insurance provides the benefits of private accident insurance at a glance even if the accident at all nothing to do with the work has so in your spare time, in the budget, and even on vacation. While this insurance protection worldwide and around the clock.

In the event of an accident, the accident insurance provides a previously agreed amount. This can be made in the form of a one-off payment or through a lifetime monthly pension, called accident pension. You can save other additional services for a certain fee. For example, a hospital daily allowance or a recovery money. A contractual compensation or a certain instantaneous in an especially fatal accident by the now huge costs incurred as a result of operations or maintenance, are also available.

Also you can insure with cosmetic surgery and treatments, which have become necessary due to the accident. It is also possible that the survivors in the Death by a contractually determined amount to cover. Types of contracts in private accident insurance in addition to the individual agreements there are mainly four types of contract in the accident insurance: dynamic accident insurance increased annually, to counter inflation as contributions and thus the insurance sum. This is particularly important in accident insurance, which have a long maturity. The linear accident insurance provides the contractually fixed performance, in which also the degree of invalidity can be estimated by the accident exactly in the percentage amount. At 40% invalidity, 40% of the sum of insured be made so. The progressive casualty insurance provides disproportionately more accident-induced unemployment is higher. This is very useful, because the more serious are the consequences of the accident, medical care and meals will be more expensive. So-called Mehrleistungs accident insurance tariffs doubling the size of their insurance from a previously agreed amount of disability. What is not insured by the insurance? Diseases and disorders are generally not from private accident insurance insured. Also accidents caused due to epileptic seizures, impaired consciousness, alcohol and drugs, or stroke and seizures, are not insured. As well, any occupant of aircraft or test drives are not insured. Also you can exclude certain extreme sports. You can view any time the exclusion rules in a catalog at your insurance company.