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.

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Securing of important body parts

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:

sample calculation

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.

Calculation example for progression

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.

Protection of survivors

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.

What to look out for?

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: )

Tax according to the model conditions of the German Insurance Association (http://www.gdv.de):

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%