Accident insurance – compared personally
Accident insurance: cover around the clock – in your free time too.
A fall while doing sport, a slip in the bathroom: many accidents happen in your free time and at home. Our partner's licensed experts find a tariff that helps you financially if there are lasting consequences.
- Many providers compared
- 100 % free and without obligation
- We speak your language (German & Arabic)
- Worldwide and around the clock – in your free time, at home and on holiday
- Disability benefit with progression, accident pension or rescue costs as you wish
- Quotes from licensed experts – free and without obligation
Requested in just 30 seconds: our partner's experts find a suitable tariff for you – 100 % free & no obligation.
- Maximum freedom: You can end our support at any time with a few clicks in the customer portal.
- 100 % free & no hidden commitment.
Accident comparison
Accident insurance
Why private accident insurance?
Statutory accident insurance only pays for accidents at work, at nursery, school or university and on the direct way there. In your free time, at home or on holiday you’re on your own. If an accident leaves lasting impairments, private accident insurance helps with a lump sum or a pension – for example to adapt your home or car.
Ideal for
- Children & families
- Sporty, active people
- Self-employed
Your insurance check
Accident insurance
- Benefits & cover at a glance
- Premiums compared across the market
- Quotes from licensed experts
- Request
- Check in progress
- Offer
Personal call-back in German or Arabic
Disability benefit
A lump sum whose amount depends on the degree of permanent impairment – set out in the so-called limb schedule (Gliedertaxe).
More benefits for severe consequences
With progression, benefits rise disproportionately for a high degree of disability – depending on the agreement, to a multiple of the sum insured.
Help in everyday life
Depending on the tariff, with an accident pension, daily hospital allowance, rescue costs and cosmetic surgery.
Good to know
- The limb schedule sets fixed values – according to the insurers’ association’s recommendations, e.g. 70 % for an arm and 20 % for a thumb.
- Accident insurance does not replace occupational disability insurance: illnesses are not covered – even though they are the most common reason for no longer being able to work.
- Children have statutory accident cover at nursery and school – but not while playing in their free time.
Our partner's licensed experts will discuss with you personally exactly which cover suits you.
Questions about accident insurance
Am I not already covered by statutory accident insurance?
Only at work, at nursery, school or university and on the direct way there. If the accident happens in your free time, during sport or at home, statutory accident insurance does not pay.
How is the benefit calculated?
Based on the sum insured and the degree of disability. An example: with a sum insured of €100,000 and the loss of a thumb (20 %), the insurer pays €20,000. For severe consequences, progression increases the benefit – depending on the agreement, to a multiple.
Is accident insurance worth it for children?
Children are covered by statutory insurance at nursery and school, but not in their free time. Children’s accident insurance can therefore make sense. Children’s disability insurance, which also pays in case of illness, offers even more comprehensive protection – the experts explain the differences.
Do I have to upload my policy?
No, that's optional. With your policy, though, our partner's experts can compare your current cover more precisely and make you a suitable offer faster.
What does reviewing my contracts cost?
Nothing – 100 % free and with no hidden commitment. The check is non-binding. We are paid by the provider or the licensed experts when a new contract is concluded. When you switch electricity or gas, we pass part of this on to you as a bonus; for insurance there is no bonus and no cashback (§ 48b VAG). If you grant the voluntary support mandate, the licensed insurance experts also receive an ongoing commission from the insurers for looking after your contracts (portfolio commission) – this costs you nothing either.
Your question isn’t listed?
Our partner's licensed experts will answer it personally – by phone, on WhatsApp or in an appointment.
Advice and brokerage: PFS Professional Financial Solutions GmbH, insurance broker authorised under § 34d(1) GewO (register no. D-V1KE-1FHKK-50). MeinVertragsPlus puts you in touch as a referral partner (Tippgeber). Check in the intermediary register