Because the legislator hardly does

In connection with accident protection, the misguided faith is that the statutory accident insurance provides sufficient if something happens. But that is not the case. On the one hand, the statutory accident insurance (GUV) only performs in the event of occupational and road accidents as well as occupational diseases. Accidents at work are accidents that insured persons suffer in their work and direct service routes. On the other hand, the services of the GUV often do not cover the high costs of the consequences of accidents, for example for conversion measures on the house or in the home, cosmetic operations or more complex treatments.

In addition to this performance gap at the GUV, the statistics also speak in favour of private accident protection. The majority of accidents happen in leisure time and in the household and thus outside the described workplace environment. The consequence: the victim does not receive any benefits from the GUV in an accident at home or when performing his hobby.
Therefore, private accident protection is so important. Not only do higher insurance sums or an accident pension are possible here – private accident protection also protects the insured person around the clock, worldwide and no matter where an accident is done.

What should be paid to in the case of private accident insurance?

There are a large number of accident insurance tariffs that differ not only in terms of price, but also in their quality. Some important criteria for tariff selection:

• Total insured/validity benefit

• Design of the limb tax

• Inclusion of an accident pension

• Death lapse

• Transition and immediate services

• Scope for cosmetic operations

• Hospital day benefit

• Infectious diseases (tick bite) and vaccination damage

• Dental replacement

• further conditions such as alcohol clause or negligence

It is advisable to seek professional advice before graduating and have the tariffs and their conditions compared more precisely.