Private Accident Insurance
Complete protection for accidents that public insurance does not cover
Public accident insurance only covers work and commute accidents. Yet three out of four accidents happen during leisure time or at home, where no legal protection exists. Our private accident insurance covers these risks 24 hours a day, anywhere in the world.
Benefits of this insurance
Coverage at any time and place, both during and outside working hours.
Lump-sum benefit in case of permanent disability resulting from an accident.
In higher plans, heart attacks, strokes, tick bites or food poisoning are also covered as causes of accidents.
Choose between Spar, Basis, Klassik, Plus or Premium depending on the level of protection you need.
Coverage comparison
| Spar | Basis | Premium | |
|---|---|---|---|
| Lump sum for permanent disability | |||
| Immediate benefit | |||
| Extended risks (heart attack, stroke, ticks) | |||
| Leisure-time protection | |||
| Unemployment assistance after accident | |||
| Temporary incapacity coverage |
What is covered
Permanent disability from an accident
One-off lump-sum payment if the accident causes permanent disability, to use freely for renovations, therapies or loss of income.
Worldwide, permanent coverage
Protection anywhere in the world, 24 hours a day, both during and outside leisure time.
Additional risks in higher plans
Depending on the plan, also covers accidents resulting from heart attack, stroke, tick bites, or food poisoning.
What is not covered
Work accidents
Work and commute accidents are already covered by the employer-funded public accident insurance.
Illnesses with no accidental cause
Common illnesses unrelated to an accident are not covered by this policy.
Real claim examples
Disability after a bicycle fall
Tomás suffers a serious bicycle fall during his leisure time that leaves him with permanent partial disability. The insurance pays him the agreed lump sum based on the disability grade.
Domestic accident
Silvia falls down the stairs at home and suffers an injury causing permanent partial disability. The insurance covers the corresponding benefit.
Frequently asked questions
Why do I need private accident insurance if I work?
Because public accident insurance only covers work and commute accidents; all other accidents in your private life are not protected.
Where am I covered?
Anywhere in the world, 24 hours a day, regardless of whether the accident happens during your leisure time or not.
What is the difference between plans?
Higher plans (Klassik, Plus, Premium) include extended risks such as heart attack, stroke, or tick bites as possible causes of accidents.
Can I combine it with an accident pension?
Yes, you can add a monthly pension as a supplement in case of a high disability grade.
Want to be protected against any accident, anywhere?
Tell us about your situation and we will help you choose the right protection level.
Request free advice