70% of all accidents happen
in leisure time
Statutory accident insurance only pays for workplace accidents. For everything else — sports, household, hobbies — you need private coverage.
Accident Protection Around the Clock
Accident Insurance Benefits
Disability Benefit
Lump-sum payment for permanent impairment — scaled according to severity (schedule of benefits).
Accident Annuity
Lifelong monthly pension from a defined degree of disability (e.g. 50%).
Hospital Daily Allowance
Daily payment for inpatient stays following an accident.
Rescue Costs
Coverage of search, rescue, and recovery costs worldwide.
Immediate Benefit
One-time payment for serious injuries such as bone fractures or torn ligaments.
Transitional Benefit
Immediate financial assistance if the impairment persists for more than 6 months.
Who benefits from accident insurance?
Physically Active Individuals
Higher risk of accidents when skiing, mountain biking, climbing, or playing team sports.
Families with Children
Children are particularly prone to accidents — the insurance covers treatment costs and their consequences.
Seniors
Fall-related accidents at home increase with age. Accident insurance covers home modifications and care.
Self-Employed Individuals
No statutory accident protection — private insurance is especially important here.
What is covered?
Versichert
Nicht versichert
Your Coverage in 4 Steps
Create Risk Profile
What hobbies and activities do you have? Which risks are relevant?
Select Coverage
Basic protection or premium package? We tailor the coverage to suit you.
Compare Rates
Independent comparison of the best providers for your profile.
Activate Coverage
Quick sign-up, immediate insurance start date.
Frequently Asked Questions About Accident Insurance
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