Accident insurance: tariffs compulsory insurance and overinsurance

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The biggest problem with choosing the right accident insurance is the complexity of the offer: On the one hand, insurers are not exactly open-minded when it comes to presenting their customers with a clear offer. Accident insurance: Tariffs Compulsory insurance and over-insurance Accident insurance: Tariffs compulsory insurance and over-insurance

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Duty or frustration?


But at the beginning there is the question: Is accident insurance compulsory or rather freewheeling? Entrepreneurs who employ even workers, the statutory accident insurance is well known: Because the need to secure their employees, even their interns, in a so-called professional association.

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The entrepreneurs themselves, on the other hand, are compulsorily insured only in some sectors; in other sectors, self-employed workers are free to protect themselves against accidents either by law or by private persons.

What is this about


This article series on accident insurance highlights the following points:

  • When is a private accident insurance useful?
  • What do you have to look out for?
  • How high are the costs?
  • What are the best policies?

Different tariff variants!


Some insurers have even more than a hundred different tariff variants - all with different conditions, insurance sums and progressions, which can be combined as desired.

In addition, many insurances advertise unnecessary extras such as hospital fuel money (more on this later), which are rather uninteresting for customers, rather than the important core services and prices. This confusion can make the selection of the right insurance enormously more difficult.

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What protection do you still need?


On the other hand, many insured persons also do not know which insurance cover they already have - and which you still need: Even if you have never directly signed a contract for accident insurance, you can still be insured - somehow at least.

Check it out: Perhaps you already have an insurance with an association, a travel insurance or a credit and customer card - because accident insurance is often part of such a package or can be bought here as cheap extras. Only in this way is it possible to explain that there are already 30 million contracts for accident insurance in Germany.

Who is insured?


But even the number of insured persons themselves can vary depending on the tariff: you can take out personal accident insurance for individuals, but just when you have children is a policy for the whole family, which includes your attachment, often more favorable. If you do not want to insure yourself, you can also secure a private children's accident insurance.

Attention! Detach yourself from redundant insurance Many completed accident insurance schemes are simply not profitable for the insured:

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Why many insurance companies are superfluous


  • Either you only apply to specific areas of life (only in the country, only during leisure time, only during sports),
  • only for certain persons (eg children are not included),
  • the conditions are not customer friendly
  • or the benefits in case of damage are simply too low.

Check existing policies


Ultimately, there is only one thing: check thoroughly existing policies. The following parts of our series show you what you need to look out for.

Announce all insurance contracts that do not meet your needs and look for an insurance that fully covers your accident risks.

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