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By Simone Janson (More) • Last updated on October 23.11.2009, XNUMX • First published on 23.11.2009/XNUMX/XNUMX • So far 9135 readers, 2679 social media shares Likes & Reviews (5 / 5) • Read & write comments
Some insurances provide policies that provide for specific limb taxes for certain professional groups. For example, insured persons lose only ten percent of the insurance sum.
According to the model conditions of the German Insurance Association as a whole, the invalidity for a single limb or sense organ begins at two percent (for the loss of a toe) and ranges to a maximum of 70 percent (loss of an arm).
For a professional musician or doctor, however, the loss of the pointing finger is far more problematic than for a clerk. In the meantime, some insurers now offer policies that include special occupational body parts for special groups such as doctors or musicians.
In the event of partial loss or partial inability to use, the corresponding sub-rates will be determined based on the membership fee. Higher degrees of disability up to 100 percent are achieved by adding several disabilities - for example if you have two fingers verlieren, the membership fee doubles accordingly. The Performancethat you get is calculated as follows:
Suppose you have taken out accident insurance with an insured sum of 100.000 euros and lose a foot in an accident (40 percent member tax).
40 percent of 100.000 euros = 40.000 euros
If an arm (70 percent) remains stiff as a result of the accident, she sees on account like this:
40 percent + 70 percent = 100 percent = 100.000 euros
In this case, you will get the maximum amount, but not more, i.e. not 110.000 euros.
If, on the other hand, you have agreed a tariff with a progression of 500 percent (more on this below under the extras), the invoice would look like this in the case of XNUMX percent disability:
100 percent = 100.000 euros
500 percent = 500.000 euros
However, this is different in the case of an invalidity between 25 and 100 percent: despite the same progression, the benefits can be different for two tariffs.
In the case of the Stiftung Warentest (Stand 0April 2007, subject to change,) with a very good rating for the Haftungskasse Darmstadt), the calculation for loss of an eye (50 per cent of the member's tax) looks like this:
50 percent member tax with 500 percent progression = 100.000 euros
Usually she pays Insurance Disability benefits only twelve months after the accident. During this time, you can agree on an additional transitional benefit, such as a fixed lump sum that is due in the event of serious injuries.
If you also want to insure survivors, you should agree on a fixed capital amount in the event of the accident death (the benefit is paid if the insured dies within one year after the accident). If you insure a death sum, the insurances must also make advance payments in the event of a clear disability.
Make sure that the articulated tax is by no means lower than in these conditions. However, with some insurances and tariffs the articulated taxes are even cheaper:
The accident rateMaxx of NV (http://www.nv-online.de), which has been rated with a grade of 350 with progression 500 and 1,5 by Stiftung Warentest, offers one for the loss Hand a membership fee of 70 percent - in contrast to the usual 55 percent. More about the test result (status 0April 2007, subject to change) here: )
Damaged / inactive part of the body |
Invalidity in percent |
An eye |
50% |
Hearing in one ear |
30% |
sense of smell |
10% |
sense of taste |
5% |
Arm in the shoulder joint |
70% |
Arm to above the elbow |
65% |
Arm below the elbow |
60% |
One hand |
55% |
One thumb |
20% |
A pointing finger |
10% |
One of the other fingers |
5% |
One leg up above the middle of the thigh |
70% |
One leg to the middle of the thigh |
60% |
One leg down below the knee |
50% |
One leg to the center of the lower leg |
45% |
A foot |
40% |
A big toe |
5% |
Other toe respectively |
2% |
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Simone Janson is publisher, Consultant and one of the 10 most important German bloggers Blogger Relevance Index. She is also head of the Institute's job pictures Yourweb, with which she donates money for sustainable projects. According to ZEIT owns her trademarked blog Best of HR – Berufebilder.de® to the most important blogs for careers, professions and the world of work. More about her im Career. All texts by Simone Janson.
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