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the accident insurance and health insurance: The difference

25. January 2013 editorial

Both the accident insurance, as well as the health insurance take care of the health Living of the policyholder. The exact difference between the services of many people is not clear. We will show you when and what insurance to fill in.

the when to pay the accident insurance?

The accident insurance comes up as the Name only says?for physical damage, have an accident as the cause. The term «accident » is defined by the insurance is relatively straightforward. the It is a plotzliches and of au?s on the body event, which the Person concerned suffers permanent health damage. It is also important that the accident occurs involuntarily.

Depending on the conditions of insurance are excluded from certain hazards from insurance coverage or will only be insured against a Risk premium. For this purpose, classified Hobbies like skydiving can include, for example, as a risk of jumping, hang-gliding or car racing. There are, depending on the provider even more Disclaimers, such as accidents due to to be aware of trouble or after a heart attack or stroke.

the The benefits

Which services will be provided in the case of an accident, exactly, depends always from the selected Tariff and the service provider. These are listed in the respective contractual terms and conditions of the insurer carefully. The High level of perceived benefits is always according to the degree of caused by the accident Invalidism .

the

    the

  • a life-long pension
  • the

  • one-time payment according to the degree of Invalidism
  • the

  • death benefit
  • the

  • hospital daily allowance. Recovery of money
  • the

  • cosmetic surgery
  • the

  • transition power, up to the complete payment

the when to pay the health insurance?

In the case of health insurance, it must be distinguished whether it is a legal or private insurance. The statutory health insurance funds assume the costs for the gro?en a part set by the legislature. In return, the policyholder can determine the private health insurance companies, the insurance protection.

in principle, the health insurance companies take only those costs that arise during a treatment. for This purpose, include in addition to medical services, and expenses for medicines. Why a treatment is required, thereby completely irrelevant. This can be both a physical or mental disease, such as an accident, too.

the The benefits

What relates to the possible benefits, there can be Differences between individual health insurance funds. In the statutory health insurance these are just very minimal. In the case of private insurance, the safe benefits can, however, significantly differ.

the

    the

  • treatments at the doctor or dentist
  • the

  • reimbursement of medicines
  • the

  • ambulance services
  • the

  • Rehama?comments
  • the

  • treatments

the when it comes to Overlaps?

In some cases, it may happen that the services of the health insurance companies overlap with those of a accident insurance. This is for example the case, if, following an accident cosmetic operations are necessary. These are taken over in the case of medical necessity by most insurance companies. To a treatment upcoming Rehama?took be incorporated in the rule by the health insurance. This is the result of an accident, with the appropriate hedging accident insurance for this purpose. Further Overlaps, the payment of daily sickness benefits, that of two forms of Insurance is offered.

the summary

The benefits of an accident insurance in place in most cases when the ends of health insurance. These are limited to the lasting health consequences after an accident.

During the are health insurance companies in Germany, the mandatory insurance, a private accident insurance on a voluntary Basis.

Description of the article: accident insurance, Where exactly is the difference between accident insurance and health insurance. We show what insurance pays and what is it to

Source: accident insurance and health insurance: The difference | Krankenversicherung-Vergleich.de