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By Simone Janson (More) • Last updated on October 08.12.2009, XNUMX • First published on 08.12.2009/XNUMX/XNUMX • So far 5114 readers, 3823 social media shares Likes & Reviews (5 / 5) • Read & write comments
Whether a private accident insurance useful ultimately depends on what other insurance policies you have taken out.
Every six seconds an accident occurs in home and leisure. This repeatedly belongs to the quotation of the Federal Institute for Occupational Safety and Health (Arbeitsanstalt für Arbeitsschutz und Arbeitsmedizin) suggests that accidents are a major risk, especially in the private sector, and they must be insured, especially since the professional associations do not cover this leisure risk.
But let's take a closer look at the numbers: Fortunately, lasting damage is relatively rare with domestic damage. Only 2,6 percent of severely disabled persons have suffered their disability at all by an accident, half of them by an accident at work. In fact, the cases covered by accident insurance are not so frequent. Nevertheless, an accident insurance can be useful.
If you want to insure against the loss of your ability to work, you should always keep in mind that it is irrelevant for the accident insurance what professional and other financial consequences you have if you lose a limb, for example verlieren. The decisive factor is whether the damage was caused by an accident and how serious this damage is classified (limb tax). Also, the usefulness of such depends Insurance always depend on the conditions laid down in the contract.
There are all types of insurance. We give an overview of the most important insurance companies in comparison - from health insurance to accident insurance.
Insurance: | When does the insurance cover? |
Statutory health insurance | The statutory health insurance pays a maximum of 78 of the income from the last twelve months for the same illness within three years, as a result of accidents within three years. Those who are insured under the normal tariff are entitled to sick pay as of the seventh week of illness. Whoever wants to receive a sick pay from the third or fourth week of illness must pay an increased contribution of up to 70 percent. In the reduced tariff, the claim does not exist. |
Private health insurance | The 50 Euro daily sickness benefit rates from the 1 sick leave are between 25 and 125 Euro per month, depending on the age of entry. The lower the daily sickness benefit payable and the later the start of payment, the cheaper it will be. But here, too, illnesses and accidents are covered. |
Statutory pension insurance | If you have been covered by statutory pension insurance for at least five years and have been compulsorily insured for at least three years in the last five years before the occurrence of the damage, you are either entitled to a disability pension (born before 02.01.1961) or an employment retirement pension (born later). |
Private occupational disability insurance | A private disability insurance (more in this case: covers all damages, whether caused by illness or an accident, if you are at least 50 per cent (in some contracts, another possible percentage is possible)) Comprehensive than any accident insurance! |
Critical illness insurance | Individual serious diseases, such as myocardial infarction or stroke, can be safeguarded. The more diseases are included, the more expensive it becomes. This insurance usually provides a one-time money sum. Together with the accident insurance it can be a good addition to the disability insurance. |
Basic skills insurance | It provides a monthly pension, whether injury or illness, in the event of the loss of certain abilities - such as seeing, grasping or driving. |
Statutory accident insurance | It pays for invalidity due to accidents at work or on the way to work - or for occupational diseases. What is recognized as a professional disorder can, however, be a dispute. |
Private accident insurance | It pays only in cases of disability caused by accidents. If the affected part of the body has already been affected, or if the accident has been affected by physical restrictions, this may reduce or eliminate the performance. |
For example, if you already have good and comprehensive occupational disability insurance (please link to Article insert), then accident insurance only covers the small remaining area of accidents, which make them disabled but not disabled.
In this case it is almost superfluous. Because the majority of all cases of occupational or occupational disability are not caused by accidents but by illness. Therefore, disability insurance covers risks many do better, as it pays in all cases of disability, including accidents.
However, the accident insurance clear cheaper than disability insurance. You can therefore get a good, inexpensive one Alternatives This can be the case, for example, if you do not have the right occupational disability insurance due to previous illnesses or if the contributions are simply too high for you (more on the exact conditions in the relevant chapter above).
In addition, accident insurance pays in the event of disability even if it does not also lead to an inability to work at the same time. And in Combination With Dread Disease insurance against disability due to a single illness, accident insurance can be a real alternative to disability insurance, but it is never a comprehensive replacement.
Finding the right accident insurance is not so easy in the jungle of the offers. We help you keep track of what you should look out for.
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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.
Thank you Matze. Unfortunately there are a few things that are not in the Duden - that's the problem when you do technology, content & photos alone - and that in addition to your main job. But I am happy about everyone who works so charmingly as an editor.
Simone
Sounds interesting ... but look again at the spelling. There are no words like “si4ch” in the Duden * gg *
A very good and helpful overview. In particular, it impresses me how you have summarized important and complex points so briefly and succinctly.
RT @SimoneJanson: #accident insurance checklist - you should pay attention to this when you take out one: #fb
Checklist for #accident insurance - you should pay attention to this when you take out one: #fb
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