Accident insurance: tariffs compulsory insurance and overinsurance



Next part



We are moved by the idea to make the world of work more human - without constant pressure for efficiency, stress and fear. As Publisher Best of HR - Berufebilder.de® with podcast, eLearning-on-demand offers and news service we share 15 years of experience with our customers (Samsung, Otto, state institutions). By the Top20 female blogger and consultant Simone Janson, referenced in ARD, ZEIT, Wikipedia .
Copyright: Artwork created by Simone Janson | Best of HR Berufebilder.de®

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

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!


More knowledge - Podcast, PDF download, eCourse or personal advice

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

Important NOTE

This entry contains content and information that may be out of date, eg due to legal or statistical changes.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.

Duty or frustration?

Overview

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.

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

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

Overview

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!

Overview

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.

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

What protection do you still need?

Overview

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?

Overview

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:

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

Why many insurance companies are superfluous

Overview

  • 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

Overview

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.


More knowledge - Podcast, PDF download, eCourse or personal advice

Overview


Offline download: Download this text as PDF - Read usage rights, Because we do not automatically submit the title of this text for privacy reasons: When buying in "interests" the title register if support is needed. After buying text exclusively Download at this URL (please save).

3,35 Book now


Listen to Podcast & Download MP3: You can listen to this text for free, as member even without annoying popup, or download the MP3 for a fee - Read usage rights, After the purchase page refresh, then you will find the download link here. Because we do not automatically submit the title of this podcast for privacy reasons: When buying in "interests" the title register if support is needed.

3,35 Book now


Your eCourse on Demand: Choose your personal eCourse on this or another desired topic, As a PDF download. Up to 30 lessons with each 4 learning task + final lesson. Please enter the title under "interests". Alternatively, we are happy to put together your course for you or offer you a personal regular eMailCourse including supervision and certificate - all further information!

16,20 Book now


Consultant packages: You want to increase your reach or address applicants as an employer? For these and other topics we offer special Consultant packages (overview) - For example, a personal phone call (price is per hour).

149,99 Book now


occupations pictures

You want to comment here? Please the Debate Rules comply, contributions must be unlocked. Your eMailAddress remains secret. More information on the use of your data and how you can counter this can be found in our Privacy Policy.

  1. To follow debate on this post
  2. All debates follow
  3. Debates per eMail subscribe (add link here!)

Post a Comment

Your email address will not be published. Required fields are marked with * .

JaI would like to be regularly informed about the latest promotions & offers Newsletter be informed.

I hereby accept the Debate Rules and the Privacy policy with the possibility to contradict the use of my data at any time.