Accident Insurance in Germany
– Insurance –
Don’t let a split of a second affect your life more than it has to
Unfortunately, neither of us is bullet-proof. Statistics show that every 2.5 mins there is an accident that leads to permanent damage. And if that alone wasn’t worrying enough, roundabout 70 % of accidents happen off work, school/kindergarden or university.
If an accident happens off work, school/kindergarden or university, that means the state won’t pay for any treatments you might need. Sure, your health insurance covers the immediate care, but if you need to rebuild your home, someone to clean your house in the first couple of weeks or simply the good rehab, you will have to pay for that yourself. The only way out is an accident insurance that covers exactly those expenses and even pays a lifelong monthly income to supplement your loss in work power.
one-time payout & monthly payments
maintain your living standard
increase if necessary
coverage worldwide
FAQs Accident Insurance in Germany
What is an Accident Insurance?
The Accident Insurance is offered by private insurance companies. It pays an agreed upon amount in case you as the insured person have an accident that led to permanent damage. The exact amount is usually linked to your degree of disability. Additional coverage includes a life-long monthly payout, cosmetic surgery, household help, salvage costs, rehab, artificial limbs etc.
How much does an Accident Insurance in Germany cost?
The premium depends mostly on your age, job and wanted payout. Accident Insurances are usually quite affordable. You can go for a single Accident Insurance or include your whole family.
How do I get an Accident Insurance?
The Accident Insurance is only sold via private insurance companies. The application process is easier than with an Occupational Disability Insurance, as you don’t have to answer any health related questions. That being said, you should still do the math and determine your personal financial needs before buying an Accident Insurance.
Can my application be neglected?
Not really. Since your health status is not important, Accident Insurances are usually not applied for, but bought.
Some employers offer a Company Accident Insurance or might consider offering one when asked. Please contact us for more information.
Can I get an Accident Insurance in Germany as an expat?
Yes. With some insurance companies, you can even buy the Accident Insurance abroad, making sure you’re covered already on your trip to Germany. Also, coverage is worldwide. So whether a mountain hike goes wrong or you had a diving accident at the Great Barrier Reef, the insurance company will cover the salvage costs and even fly you back to Germany if necessary.
Can I cancel anytime?
Yeppa. An Accident Insurance can be canceled for any reason and at any time. Cancellation period is usually between 1 and 3 months, though differences may occur.
Book your consultation!
We will take a look at your personal risks & budget and match your needs with the right insurance
We will help you with the calculations and do all the paperwork for you
We will make sure you understand every detail of the insurance contract
We will be your link between the insurance company and yourself – now and in the future
2 – 3 sessions (60 mins each)
detailed analysis of your individual risk factors
personalized plan adjusted to your needs
in-depth explanation of insurance contract
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*Insurances like Accident Insurance in Germany are run by insurance companies that usually sell their products with the help of licensed advisors. Our team members are licensed. When it comes to pensions and insurances, we collaborate with ERGO Lebensversicherung AG. This means the consultation is free of charge and done by one of our licensed insurance advisors, and a commission is paid to us when setting up a pension or insurance.
Your expert
Hello! My name is Verena Metzler. I am a Business Financial Expert and Consultant, holding licenses in personal pension, insurance and investment advice. I am both legally allowed and educationally equipped to help women become financially independent and build the future they wish for.
True independence needs financial independence. This is why Yvonne Bäldle-Agboton, a certified and very driven Career Coach, and I founded FrauFUTURE. Women of all ages and origins, women with smaller and bigger dreams, women with debts or without, women in life crisis and those on top of their career have come to our office. What they all have in common: the desire to take their financial future into their own hands.
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