Accident insurance

Accident insurance offers financial protection in the event of accidents that lead to disability, death or other permanent physical damage. You usually receive a one-off lump sum or a monthly pension.

Protect yourself against the financial consequences of accidents

Accident insurance - what is it?

Whether at home, at work or in your free time - an accident can happen at any time and can result in considerable financial burdens. With comprehensive accident insurance, you and your employees are on the safe side and can devote your time to everyday life without any worries.

Facts & Figures

0 % of accidents occur during leisure time or at home

0 Mio. accidents occur in Germany every year

0 % increase in the average amount of damage caused by accidents per year

Your advantages at a glance

Accident insurance offers you and your employees comprehensive cover in the event of unforeseen accidents. Whether at work or in your free time, your health is protected at all times.

Daily hospital allowance

Reimbursement for each day in hospital

Salvage costs

Covering the costs of salvage and rescue

Immediate help

Fast financial support after an accident

Disability benefits

One-off payment in the event of permanent disability

FAQ on accident insurance

We have summarized the most frequently asked questions about accident insurance for you in our FAQ. Our experts will also be happy to provide you with individual advice.

Why is accident insurance important?

Accidents can lead to considerable financial burdens, especially if they result in permanent disability or death. Accident insurance helps to cushion these financial risks and offers financial security.

What benefits does accident insurance provide?

Disability benefit: one-off payment or pension in the event of permanent disability
Death benefit: one-off payment to surviving dependants in the event of death
Daily hospital benefit: daily payment for each day of hospitalization
Convalescence benefit: Payment to support recovery after hospitalization
Rescue costs: costs for rescue and recovery after an accident

What is not covered by accident insurance?

Accidents caused intentionally
Accidents under the influence of alcohol or drugs
Accidents in connection with criminal activities
Occupational illnesses and health impairments that were not caused by an accident

Is there a waiting period for accident insurance?

As a rule, there is no waiting period for accident insurance; insurance cover begins immediately after the contract is concluded.

What is progression in accident insurance?

A progression increases the disability benefit in the event of serious accidents. The higher the degree of disability, the higher the benefit, often exceeding the agreed basic sum.

Employee benefits

The right employee benefits from a single source - our team of pension experts is on hand to help you find suitable benefits packages for your employees and your company that are precisely tailored to your individual needs.