Statutory accident insurance only covers work-related accidents. However, most accidents happen during leisure time - at home, while playing sports, or on vacation. Private accident insurance protects you and your family around the clock.
Accident Insurance Benefits
Lump Sum for Disability
One-time capital payment depending on the degree of permanent impairment.
Accident Pension
Monthly pension for severe disability (from 50%) as long-term security.
Hospital Daily Allowance
Daily payment during hospital stay following an accident.
Accident Costs
Coverage of rescue, recovery, and medical treatment costs.
Death Benefit
Financial security for dependents in case of accidental death.
Disability Daily Allowance
Daily payment during accident-related inability to work.
Savings Potential
Compare different providers and benefit packages.
Why is statutory insurance not enough?
❌Statutory Accident Insurance
- Only work accidents
- Only on the way to work
- No leisure accidents
- No household accidents
- No sports accidents
✅Private Accident Insurance
- 24 hours, 7 days a week
- Valid worldwide
- Leisure and sports covered
- Household accidents included
- Flexible coverage modules
Disability Level and Payout
The amount of disability benefit depends on the degree of permanent impairment:
💡 Tipp: With progression, the benefit increases disproportionately at higher disability levels (e.g., 3x or 5x).
Who should get accident insurance?
Employees
Protection outside working hours
Families
Protection for all family members
Children
School commute and leisure activities
Homemakers
No statutory accident coverage
Athletes
Increased risk of injury
Seniors
Higher risk of falls
Optional Additional Benefits
How comparison works
Enter data
Age, occupation, and desired benefits
Compare offers
Multiple insurers at a glance
Choose benefits
Individually customizable modules
Complete online
Sign contract directly online
More Insurance Types
Accident Insurance Guides
Latest Guides
Travel Insurance Austria 2026: The Complete Guide
Travel insurance in Austria 2025: Health, cancellation, luggage & more. Why the E-Card isn't enough abroad and how to protect yourself correctly.
Read more →
Private Liability Insurance Austria 2026: The Complete Guide
Everything about private liability insurance in Austria: Costs from €3/month, 11+ providers compared. What is covered? Who needs it? Get informed now.
Read more →
Motorcycle Insurance Austria 2026: Complete Guide for Riders
Motorcycle insurance in Austria: Liability, partial and comprehensive coverage explained. Save up to €400. Winter break tips and registration costs 2025.
Read more →Compare Accident Insurance Now
Find the right accident insurance for you and your family - free and non-binding.
Go to Comparison CalculatorPrices and conditions vary depending on age, occupation, and selected benefits. As of: December 2025.