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
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Go to Comparison CalculatorPrices and conditions vary depending on age, occupation, and selected benefits. As of: December 2026.