Accident insurance

What is it?

A private accident insurance protects you from the financial consequences of an accident. Whether it’s at home, while playing sports, or at a friend’s house – a serious accident can turn your life upside down in the blink of an eye.

Private accident insurance comes into effect when you suffer a non-recurring or permanent financial burden as a result of an accident. The precise structure of the insurance should always be tailored to your individual wants and needs.

What are the benefits?

In case of an accident, private accident insurance will provide one-time or permanent monetary compensation. This can take many different forms, for example as disability benefits, accident pensions or daily hospital allowances. Both the type and amount of coverage is dependent on your insurance policy.

Furthermore, there are special kinds of accident insurances, such as child or senior accident insurances. You can also choose to conclude supplementary agreements, for instance additional child disability insurance.

Who is it for?

Private accident insurance should not be confused with disability insurance, which generally provides a more straight-forward coverage.

Private accident insurance makes most sense for people with high-risk professions or hobbies, or for example people who enjoy extreme sports. In these cases, disability insurance will often demand high additional payments which can be factored out with a separate private accident insurance. Nonetheless, it is still very important to assess and agree upon which activities are covered, and which aren’t.


Private accident insurance protects you in case of disability resulting from an accident. It can be a financial lifeline but in other cases it may also be completely unnecessary. Deciding whether or not to take out this insurance depends on your personal situation and requires careful consideration.

For the above mentioned reasons, allow us to help you make this important decision.

Together, we will assess which insurances make sense for you, and analyse how high the coverage of your insurance needs to be.

Together we’ll make sure that you are prepared for even the worst-case scenario!

Did you know?

9 million
Number of accidents in Germany per year