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the accident insurance: hedged Private better

anyone Who believes that the statutory accident protection, and -attacking everywhere, you are wrong. A private accident insurance belongs to the most important insurance policies. It provides protection against far-reaching financial consequences, for example, in the case of Invalidit’t an accident. Our comparison helps you make the fur you will find a suitable policy.

the Why you need accident insurance?

According to statistics, every four seconds is happening in Germany is an accident. Ьber 70 percent of these Unfglle not going to happen in the REC, so then, if a statutory insurance, the protection applies. A private accident insurance offers insurance protection against the financial consequences, can bring a Invaliditgt after an accident.

the when does the personal accident insurance?

Stьrzt a house wife cleaning the Windows of the head, verbrьht a child in the Kьche or slips a pensioner on the stairs — all of which are Unfglle, the consequences of which are not covered by the statutory insurance. Here, the personal accident insurance comes in.

the when to apply the statutory accident insurance?

people who are in fixed employment verhgltnis, children in Kindergarten or Schьler and students in schools and universities — all of them are automatically insured in statutory accident insurance. The contribution to the statutory insurance ьbernehmen for example, schools, colleges, and employers.

the accident: Pay policies fьr children?

experts hold fьr дuЯerst useful. Because: children have neither a claim to a statutory retirement, yet you kцnnen be ьber a berufsun fghigkeit insurance. A private accident insurance is the only Mцglichkeit, children and their parents against the financial consequences of a Invaliditgt after an accident. The cost of the care, rehabilitation MaЯnahmen and possibly tags in the house caused kцnnten, are usually дuЯerst high and kцnnen a family in groЯe financial difficulties.

the In which Fgllen the insurer?

a Occurs conditional within one year after the accident, an accident, permanent kцrperliche or mental Beeintrgchtigung and this is found to spgtestens 15 months by a physician, the insurer will pay a capital-ending.
the when to not pay the personal accident insurance?

The private accident insurance covers any financial Schgden, the Insured, if you do not kцnnen ausьben after an accident, your profession. Also Invaliditgt that arises after an illness or, for example, after a stroke, is not in the insurance protection included. in the case of statutory insurance, this is not the case.

As a rule of thumb fьr the determination of the correct amount of insurance: The monthly demand x 400 = Vollinvaliditgtsentschgdigung. It has a geschgtzten monthly demand of 1,000 euros, you should schedule a Invaliditgtsentschgdigung of at least 400,000 euros in a private accident insurance.

In hцherer Invaliditgt the insurer provides hцhere services. In the case of a Vollinvaliditgt ngmlich not 100 percent but, for example, 225% of basic sum insured. There are also graduations of 300, 350 and 500 percent. The costs natьrlich a correspondingly high premium on the Grundprgmie of private accident insurance.

The degree of Invaliditgt is the most Unfgllen the Invaliditgt behind, Zero to 25 percent. In this area, the progression rates are, however, no improvement in their performance.

As an Alternative or addition to the unique Invaliditgtsleistung you can arrange for some accident insurance but also a life-long monthly pension annuity. This is usually paid out only after a Invaliditgtsgrad of at least 50 percent, but then in the full agreed Hцhe.

Mьssen be given at the conclusion of an accident insurance pre-existing conditions?

pre-existing conditions, long-term behandlungsbedьrftige diseases and disorders that affect the head or neurology, mьssen wahrheitsgemдЯ and vollstgndig be specified. You Lьgt here, or conceals Essential, can zurьcktreten the insurer of the accident insurance spgter from the contract.

Dies the insured Person within one year from the consequences of the accident, the insurer will pay the hierfьr agreed sum.

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Description of the article: accident insurance, A private accident insurance belongs to the most important insurance policies. Now compare and the best protection. Biallo.de

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