Accident insurance: The most important things in brief

• Private accident insurance pays for all accidents that result in disability. Disability occurs when physical or mental performance is permanently impaired as a result of an accident.
• The limb tariff determines the degree of disability: loss of a thumb, for example, corresponds to a degree of disability of 20 percent, while paraplegia means 100 percent disability – also known as total disability.
• You will receive a one-off lump sum payment (disability benefit) depending on the agreed sum insured and the degree of disability after the accident.
• Even those who already have health, occupational disability and long-term care insurance can benefit from private accident insurance because it provides additional benefits.