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What exactly is insured?
An accident presupposes that the insured person involuntarily suffers damage to health as a result of an event that suddenly affects the body from outside (accident event). However, if an illness or an existing condition has caused the accident, this will be taken into account in the insurance payment by a corresponding deduction.
Accidents which are caused by special dangers in professional or private life, eg due to extreme sports, are excluded from insurance coverage, but can be additionally insured with an extra charge.
Some insurances also offer extended insurance coverage, eg injuries to limbs or spine (dislocations or tears of muscles, tendons, capsules or ligaments), even if the damage occurs only through excessive force exertion without external impact (for example, if you are a heavy piece of furniture to lift).
Also tick bites and even some woman-typical cancer diseases are treated by some insurance as an accident. Ask for specific conditions.
What is excluded?
In general, however, are excluded accidents that occur in the execution or attempted crime, as well as accidents caused by war or civil war, civil unrest or nuclear energy.
Also not paid is accidents caused by drunkenness, mental and mental disorders, as well as strokes or other spasm attacks, except by an accident. Accidents involving the insured are not covered by the use of aircraft, except for the risk of passengers, as well as accidents at vehicle events where maximum speed is required.
Method of payment
Depending on the contract, you will receive the benefit as a one-time capital payment in case of accident (meaningful if you have to carry out conversions) or as a pension benefit.
If you agree to a one-off payment, you should also agree on a monthly supplementary pension, which usually pays 50 per cent of the invalidity to be certified by the doctor. This costs more, but to the old age the maintenance is ensured.
Caution: Report accidents on time!
If you have an accident: go to the doctor immediately and report the accident immediately to the insurance company. An accident with death row, such as the life partner, you must even report within 48 hours. Completely complete the accident report sent by the insurer and follow the doctor's instructions. If you violate this, the insurance may refuse performance.
However, the physician often can not immediately determine the disability, for it is often only after a long time that a permanent invalidity exists or the doctor can not immediately make the right diagnosis. As a rule, therefore, the invalidity has occurred within one year after the accident and must be documented in writing and reported to the insurance company within 15 months after the accident. However, if your insurance gives you more time, this is more customer-friendly.
Money depending on the tax
How much money you get depends on the degree of disability. This is determined by the tax on the part, a table which determines the degree of invalidity in the event of the complete loss or incomplete use of certain limbs or sensory organs.
The invalidity is assessed on a percentage basis according to a specific tax rate determined in the terms of the contract.
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