Why private accident insurance is important
Many people mistakenly believe that the statutory accident insurance (GUV) provides sufficient coverage. In reality, it only covers work-related accidents, commuting accidents, and occupational diseases.

• Work-related accidents are incidents occurring during work or on direct routes to and from work.

• Limitations of GUV: Even when an accident is covered, the benefits often do not cover high costs such as home modifications, cosmetic surgeries, or complex medical treatments.

The statistics speak for themselves:

• Most accidents happen during leisure time or at home, outside the scope of GUV.

• In such cases, the injured person receives no coverage from statutory insurance.

Private accident insurance offers:

• Worldwide, 24/7 protection regardless of the activity

• Higher coverage amounts, including disability compensation and accident pensions

• Additional benefits such as hospital daily allowance, cosmetic surgery coverage, or compensation for dental treatments

Key factors when choosing a policy:

• Insurance sum and disability benefits

• Gliedertaxe (schedule of body part compensation) design

• Inclusion of an accident pension

• Death benefit

• Immediate and transitional benefits

• Coverage for cosmetic surgery

• Hospital daily allowance

• Protection against infectious diseases (e.g., tick bites) and vaccine-related injuries

• Dental treatment

• Policy conditions, including clauses on alcohol use or negligence

Recommendation:
It is advisable to seek professional advice and carefully compare policies and conditions before choosing a private accident insurance plan.