B. Significant Aspects
Arguments about reporting deadlines are not uncommon. Disability must have normally occurred within one year and must be within 15 months from the doctor stated in writing and reported to the insurer after the accident. It may take longer for certain whether a collision damage is permanent, or until the doctor is the appropriate diagnosis. Better contracts are characterized by prolonged periods of findings and reports.
C. Details
Last, further details of the offers will be used to distinguish, with the personal life decides to get the importance of these aspects. If you opt for an accident, you should first pay attention to the fine print in the terms, because it often has great impact. Therefore, you should look closely. What should be on paper, we tell you here:
* Improved member tax for single or multiple damages. Enhanced protection of the hands or eyes may make sense.
* Capital Suffrage: 65 years in the insured usually only one pension, no principal payment. Good contracts make the customer the choice entirely, or at least up to the 75th Year of life.
* No limitation of performance in sport or professional activity in a claim.
* Hedging diving health damage (eg caisson disease, eardrum injury, drowning or suffocation under water).
* Costs for cosmetic surgery: If an accident body surface is affected, so that after completion of treatment the appearance permanently impaired, takes over the insurer to the operation and the clinical treatment-related costs, at least up to the amount of 3,000 € .
* Co-insurance for health damage caused by sudden flowing gases and vapors, fumes, dust, acids and the like. Professional and industrial diseases are not normally included.
* Rescue measures: health effects suffered by the insured in the lawful defense or in effort to save people or things are suffered as involuntarily and are included in the insurance.
* Radiation injury: The insurance also covers damage to health by laser or maser radiation and by high-energy rays with a hardness of 100 electron-volts.
* Food poisoning are also insured.
What you do not need
For accident insurance, a dynamic service. This means that the sums insured are increased as per the pension insurance contributions or for an agreed fixed percentage of the year. Accordingly, increasing premiums. We believe it is appropriate to start by agreeing on large policies, particularly because there are large gaps in his early years, later becoming smaller by rising pension and pension claims and rising wealth.
More Tools
Absurd is the inclusion of the many extras that provide some societies only to their offers so as to enhance optical and hide their often twice or three times over-priced premiums, for example, accident allowance, accident, hospital benefit, accident-recovery money, transitional compensation. Those depending on the replacement of his income, should take out health insurance allowance (see leaflet for supplementary health insurance).
Accident insurance with premium return should be terminated or made contributions. The savings associated with a process accident insurance is a delusion. There is no "insurance at no cost" or an insurance policy "when you get back the contributions to profit-sharing." You will only receive the additional contributions paid back to the savings portion of your insurance premiums - with a poor return.
Relation to occupational accident insurance
Accident insurance is not well suited to avoid the loss of labor-financial cushion. Significantly better serves this purpose, the disability insurance. The disability insurance provides for accident or illness, a monthly pension - if it leads to disability of at least 50 percent (standard rules). Accident insurance offers on the other hand only very limited protection. Only a small percentage of disability is an accident, that is well below 10 percent. Only about 2 percent of severely disabled people in Germany have fallen by accident into this situation, of which about half again by a work accident. In a work accident insurance cover by the statutory accident insurance. This provides a 100 percent disability pension of two thirds of the last gross salary, at 50 percent amounting to one third, at 25 percent of 1 / 6.
The five most common causes of disability are
* Mental disorders
* Disease of the spine, muscles and joints,
* Cardiovascular diseases
* Cancer and
* Nerve disease.
The accident is therefore of little importance to the protection of disability.
Child Accident
The right risk protection for children is sufficient protection of the first parents to risk life and disability insurance. If the family financially secured in the event of death or serious illness of a parent who is the insurance on the children.
Accident insurance for children makes sense. If a child as a result of
Accident are not working all his life can be, his parents may pay up to her death on maintenance. However, accidents during the development of severe disability are extremely rare, only about 0.6 percent of all children are severely disabled due to accident, fall into this situation.
Statutory accident insurance does not provide adequate protection
There is the pupil studinte accident insurance providing services to schoolchildren in accidents and during the normal curriculum. The statutory insurance ensures that only inadequate from an area of life, most accidents in the home and at play. Moreover, arising from the statutory accident insurance low pensions, which you can not dispute the maintenance of an invalid. Depending on the care-term care insurance pays a maximum of 215 to 675 €. However, the higher levels of care are paid actually rare, is reimbursed for the additional needs of care that a sick child requires in comparison to healthy. The child is the only form of casualty insurance to provide for a potentially life-long disability of a child, unfortunately only in the event of a disability caused by accident (see below on child disability insurance).
The accident should then be concluded with a sum insured for disability, which is so high that it can be disputed in case of permanent disability, at least to a certain part of the living.
