The private accident insurance pays the insured person suffering from an accident a permanent physical damage. A permanent impairment is accepted when the consequences of accidents expected to stay for longer than three years remain. The accident was primarily designed to secure the capital, which consists of an accident
* Compensation of accidental loss of pay, especially if no disability insurance can be completed,
* Conversion of car or home,
* Additional agents or therapies, health insurance or pension insurance carrier does not assume,
* Help in the home or in childcare.
Who can shoulder these costs themselves, does not require insurance. Accident insurance provides physical damage according to a percentage of the agreed sum disability. The percentage is determined by a Gliedertaxe. Then the after accidental loss or accidental use of such inability
* One thumb, 20 percent of total disability
* A hand 55 percent of the total disability
* 70 percent of a leg disability sum
* One eye paid 50 percent of the total disability.
In this respect the private accident insurance of workers' compensation, which takes no Gliedertaxe the measure, but focuses on the reduction of earning capacity, taking into account particularly the loss of function. In turn, invalidity insurance, the impairment of the profession is governed. If medical history or disabilities have contributed to the disability, this is taken into account and deducted accordingly. On the amount of the deduction or the degree of causation can often argue admirably.
You can also take out insurance quotes, which provides for payment of accidental death. If life cover is required, but should a life insurance policy to be completed. Nevertheless, the insurance of a small sum in the event of accidental death in the accident insurance is recommended. In a clear accident disability, such as amputation, is made in the year after the accident, an advance only in the amount of death benefit. This is because a death resulted from the accident within one year after the accident, only the death benefit is paid.
The premium of the insurance depends on the classification into risk groups. The risk group A comprises professionals without physical activity. Women are generally classified in this risk group. The risk group B comprises professionals with physical and dangerous activity and is therefore more expensive.
The condition of contract and works of the accident are increasingly expanded and divergent range of benefits offered. This should be no one's eyes to the point of view is adjustable, which will determine whether and to what level of insurance benefits from the accident. These are priority.
A. Main issues
1st Insurance coverage should be available even when
a) invalidity by proper motion and increased effort,
b) loss of consciousness (eg by drugs, epilepsy, fainting, alcohol),
c) Disability as a result of infection (eg ticks, tetanus, malaria).
d) It is important for people with pre-damage is done in what amount and kind of reduction in performance, if they have contributed to the incapacity. Is a common trigger, unless the disability to 25 percent or more back to the pre-damage. Better deals offer only deduction from 40 percent.
2nd Adequate disability basic amount
This is more important than a high progression of 500 or even 1,000 percent. For even at a lower degree of disability, the one in daily life can already seriously limit, then a sufficient amount is paid. This is calculated based on the principal sum and not at the total disability. A common rule of thumb for determining the disability determines the sum total disability working people by age and income:
30 years = six times,
40 years = five times,
50 years = four times the gross annual income.
Regarding the amount of the sum insured, please note the examples in child accident insurance.
3rd Progression
Through the agreement, a "progressive" the insurance benefits to rise progressively with higher levels of disability. In the normal progression is effective from 25 percent or 50 percent disability. We recommend a progression from 225 percent total disability. Who has represented for example, 100,000 € invalidity principal sum and is totally disabled by an accident, would receive 225,000 euros.
4th No annuity
From the agreement of the annuity is not recommended. The pensions from insurance contracts raise the price of the contract immense. Moreover, accident benefits are often too low. The annuity is paid usually only from very high levels of disability of 50 percent. Better and better protection provides a sufficient sum disability. This can be used flexibly and also how a pension can be used for monthly payments. This is paid only the interest or capital consumption possible. Examples see children accident. Only when these main aspects of the accident are true, you should concern itself with other details that make the insurance protection more attractive. Here too there is a preference.
