Accident insurance: When does which insurance apply?



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Every six seconds an accident occurs in home and leisure. This repeatedly belongs to the quotation of the Federal Institute for Occupational Safety and Health (Arbeitsanstalt für Arbeitsschutz und Arbeitsmedizin) suggests that accidents are a major risk, especially in the private sector, and they must be insured, especially since the professional associations do not cover this leisure risk. Accident insurance: When does which insurance apply? Accident insurance: When does which insurance apply?

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Here writes for you: Simone Janson is a publisher, German Top20 blogger and HR communication consultant. Profile

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This entry contains content and information that may be out of date, eg due to legal or statistical changes. Because it can still be helpful to get an overview of the topic, you can still find it here.

Is there an accident insurance?

Overview

But let's take a closer look at the numbers: Fortunately, lasting damage is relatively rare with domestic damage. Only 2,6 percent of severely disabled persons have suffered their disability at all by an accident, half of them by an accident at work. In fact, the cases covered by accident insurance are not so frequent. Nevertheless, an accident insurance can be useful.

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If you want to insure the loss of your work force, you should always keep in mind that it does not matter to the accident insurance, which professional and other financial consequences you have, for example, if you lose a limb. The decisive factor is whether the damage was caused by an accident and how seriously this damage is classified (part-tax). In addition, the benefit of such insurance is always dependent on the conditions laid down in the contract.

When does insurance cover?

Overview

There are all types of insurance. We give an overview of the most important insurance companies in comparison - from health insurance to accident insurance.

Insurance:When does the insurance cover?
Statutory health insuranceThe statutory health insurance pays a maximum of 78 of the income from the last twelve months for the same illness within three years, as a result of accidents within three years. Those who are insured under the normal tariff are entitled to sick pay as of the seventh week of illness. Whoever wants to receive a sick pay from the third or fourth week of illness must pay an increased contribution of up to 70 percent. In the reduced tariff, the claim does not exist.
Private health insuranceThe 50 Euro daily sickness benefit rates from the 1 sick leave are between 25 and 125 Euro per month, depending on the age of entry. The lower the daily sickness benefit payable and the later the start of payment, the cheaper it will be. But here, too, illnesses and accidents are covered.
Statutory pension insuranceIf you have been covered by statutory pension insurance for at least five years and have been compulsorily insured for at least three years in the last five years before the occurrence of the damage, you are either entitled to a disability pension (born before 02.01.1961) or an employment retirement pension (born later).
Private occupational disability insuranceA private disability insurance (more in this case: covers all damages, whether caused by illness or an accident, if you are at least 50 per cent (in some contracts, another possible percentage is possible)) Comprehensive than any accident insurance!
Critical illness insuranceIndividual serious diseases, such as myocardial infarction or stroke, can be safeguarded. The more diseases are included, the more expensive it becomes. This insurance usually provides a one-time money sum. Together with the accident insurance it can be a good addition to the disability insurance.
Basic skills insuranceIt provides a monthly pension, whether injury or illness, in the event of the loss of certain abilities - such as seeing, grasping or driving.
Statutory accident insuranceIt pays for invalidity due to accidents at work or on the way to work - or for occupational diseases. What is recognized as a professional disorder can, however, be a dispute.
Private accident insuranceIt pays only in cases of disability caused by accidents. If the affected part of the body has already been affected, or if the accident has been affected by physical restrictions, this may reduce or eliminate the performance.


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  2. Simone Janson

    Practical overview: When does the insurance cover? #fb

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