Accident Insurance

What do all these numbers mean to you?

1)Accident costs coverage up to €5,000

All costs incurred after an accident are reimbursed up to €5,000.
These include: physical therapy, private physician bills, splints and other therapeutic aids, etc.
2) Rescue costs coverage up to €15,000

If you have an accident or are in distress in the mountains or in water. Covers also the costs of rescue helicopter.

3) Cash for bone fractures €500

€500 is paid out within 5 weeks after one or more bone fractures are diagnosed.

4) Cosmetic surgery after an accident coverage up to €10,000

Should cosmetic surgery be necessary after an accident to restore the appearance, the costs for this surgery are covered up to €10,000.
For example: Laser treatment of scars, nasal correction after a fractured nose, loss of a breast after an accident and restoration, etc.

5) Permanent disability (600% progression) €80,000

In the event of an accident with permanent effects, the degree of permanent disability is determined by a physician.
The insurance sum will be paid out as follows depending on the degree of disability:

Lump sum for permanent disability € 80,000:

up to an invalidity degree of and including 5% a flat rate of 1% of the insured sum

for an invalidity degree of 5% up to 25% according to the degree of invalidity

triple benefits for an invalidity degree of 25% up to 50%

five times the benefitsfor an invalidity degree from 50% up to 75%

seven times the benefits for aninvalidity degree from 75% up to 91%

from an invalidity degree of 91%: 600% of the insured sum.

Example:

• After  lesion of a frefinge the expert physician diagnoses a degree of disability of 3%.
  1% of the lump sum is paid= € 800 .-
• After a serious skiing accident the expert physician diagnoses a degree of disability of 51%. 105% of the lump sum is paid (25%+ 3×25% + 5×1%)
  In total € 84,000 will be paid out.
• After ruptur of a curciate ligament the expert physician diagnoses a degree of disability of 7%.
  7% of the  lump sum is paid= €5,600.-
• This is the worst case – may it never happen: 100% disability:  600% of the lump sum is paid = € 480,000.-

6) Accidental death coverage €10,000

€10,000 are paid to the heirs, so they can cover the costs.