Statutory and private accident insurance: The topic of accident insurance plays an essential role for every working German citizen, since month after month a part of the gross salary has to be paid into the legal protection of the accident insurance. Many citizens therefore assume that a private insurance by accident insurance is no longer necessary, since there is a legal protection.
Nevertheless, it is advisable to think about a private accident insurance, as it goes much further in its range of services than the insurance of the state and also provides compensation in situations in which the statutory accident insurance is not obliged to benefits.
Statutory accident insurance: benefits
The statutory accident protection applies primarily to all accidents that occur at the workplace. In the event of an accident, this must be reported within three days to the employers' liability insurance association or the social insurance institution, which then provides the corresponding compensation, generally based on the gross income.
Even with so-called road accidents exists the legal protection, d. H. when traveling to work or away from work. However, it is important that a direct route is chosen, any deviation from it by the least detour can lead to the fact that the obligation to reimbursement by the statutory accident insurance expires.
Supplement through private accident protection makes sense?
Anyone who decides to take out accident insurance with a private insurer in addition to the legal protection enjoys insurance cover everywhere and around the clock. This applies both to sports or other, active leisure activities, as well as on vacation worldwide. Of course, how high the benefits of a private insurance contract are in this case depends primarily on the contributions paid.
Here, too, after an accident, the insurer must report it within a few days. For example, it should be proven by means of a medical certificate how long a sick leave is planned after the accident. On the basis of these specifications, the insurance company provides its services, through which, of course, the statutory benefits can be specifically supplemented in the event of an occupational accident.
Benefits of private accident insurance
There are many reasons for opting for private accident insurance. This form of protection is particularly useful for all policyholders who take an active leisure time with sports or travel and for these situations want a similar insurance protection as on their job by the statutory accident insurance.
However, since accidents can also happen quickly in classic, everyday situations such as housework or do-it-yourself activities, policyholders increasingly want extensive protection for such situations as well. Private accident insurance can lead to benefits under a contract, depending on the benefits paid, as well as any disability suffered, stays in a hospital or rehab measures.
Private accident insurance: disability
For the paid-in contributions, which an insured person invests in the protection of private accident insurance, a fixed, maximum amount of cover is negotiated. With this the so-called member's tax is based on the amount of compensation in case of disability.
For example, if the policyholder loses a hand or a finger, he or she can explicitly see from the terms of the contract how much of the total coverage he receives from his insurer. Anyone who decides to receive benefits from a private accident insurance can thus influence the amount of the cover amount specifically through their own annual contribution.
Additional services: private accident insurance
If an accident does not lead to disability, there are still numerous costs that a policyholder would like to be reimbursed in a comprehensive manner. For example, those who have to stay in the hospital for an extended period after an accident can negotiate services that correspond to a hospital daily allowance insurance with their private accident insurer. Also for the phase of rehabilitation or the cost of aids that have to be used after the accident, a private accident protection may be the right choice depending on the insurance case completed.
Modern rates in this area of insurance give the individual policyholder numerous freedoms, so that the member's tax can be based on a different core contribution of the coverage amount than, for example, a daily allowance to be granted.