Accidents can suddenly present people with the challenge of redesigning their lives. Insurance can cushion financial losses.
(Photo: Imago/Westend61)
Dusseldorf An accident can have dramatic consequences. In German households there are 2.8 million accidents per year. A private accident insurance provides financial help in the household or in your free time if damage remains as a result of an accident.
Statutory accident insurance, on the other hand, pays for accidents that happen at work, in the home office or on the way to or from work.
Consumer centers recommend private accident insurance for the self-employed, people without a job, housewives and househusbands, for people with a very high accident risk and for employed people who cannot take out disability insurance.
Accident insurance can also be an option for people who pursue a risky hobby in their free time. But you have to reckon with risk premiums.
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Only one percent of all severe disabilities can be traced back to an accident. Only in this case would an accident insurance pay. Therefore, disability insurance offers significantly better protection because illnesses are also included.
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