accident insurance Communications Safety
- High disability benefits
- Immediate performance (up to € 20,000)
- Hospital Cash
- Rooming-In
- Worldwide protection
50,000 €
in case of total disability
Situationally customizable (App)
162,500 €
in case of total disability
Situationally customizable (App)
337,500 €
in case of total disability
Situationally customizable (App)
Stiftung Warentest (1,3)
600,000 €
in case of total disability
Situationally customizable (App)
Invalidity benefit of the accident insurance
| Base | Comfort | Premium | Exclusive | |
|---|---|---|---|---|
| Invalidity benefit at 100% disability | 50,000 € | 162,500 € | 337,500 € | 600,000 € |
| Sum insured (basic sum) | 25,000 € | 50,000 € | 75,000 € | 100,000 € |
| progression | 100% | 225% | 350% | 500% |
| Increase in disability benefits from 80% |
From 80% disability in the case of an accident before the 65th birthday
Service packages of accident insurance
| Base | Comfort | Premium | Exclusive |
|---|---|---|---|
| instant power |
in the event of serious injury – see listing by ICD codes (see appendix to insurance conditions)
(up to 2,000 calendar days)
for the same number of calendar days that were entitled to a hospital daily allowance
due to insured health damage.
Must be carried out within 3 years of the cause of this accident, with minors at the latest until the 21st birthday and in any case during the term of the insurance contract.
Return shipments from abroad as well as domestically to the permanent residence of the insured person
Cost supplement per night
alternatively: reimbursement of actual and proven costs
traveling in death
The claim exists within 6 months after the occurrence of the insured event.
The claim exists within 6 months after the occurrence of the insured event.
The claim exists within 6 months after the occurrence of the insured event.
Pets are dogs, cats and other small domestic animals
Pets are dogs, cats and other small domestic animals
The benefits can only be claimed within 3 years after the occurrence of the insured event.
The benefit can only be claimed within 3 years after the occurrence of the insured event
The claim exists only within 3 years after the occurrence of the insured event
Max. 365 calendar days
15 €
25 €
40 €
30 €
50 €
80 €
45 €
75 €
120 €
60 €
100 €
160 €
as long as the insured person is unable to provide the care benefit as a result of an accident (within 2 months after the occurrence of the insured event)
Important reasons for one private accident insurance
Lack of legal accident protection in the free time
Legislators essentially insure only employed persons at work and on the way to work, as well as children and students in school and university or on the way there.
The statutory accident insurance also knows no disability benefits, but only the assumption of treatment and rehabilitation costs. Since two thirds of all accidents take place during leisure time, there is not even this minimum protection available.
Capital benefits for home or apartment conversion
If an accident leads to a physical disability, everyday life in the familiar home environment quickly comes with many hurdles. A simple staircase or a commercial shower can be a challenge.
If handicapped-accessible modifications are to be made in the living space, the DFV-UnfallSchutz is at your side. Conversion of flats, relocation to handicapped accessible premises, conversion or new acquisition of a car? Only a private accident insurance such as the DFV-UnfallSchutz also assumes follow-up costs from accidents that are outside of work.
Performance already from 1% Inval >
Light accidents often have serious consequences and unexpectedly turn your life upside down. Work and private life suffer from the permanent impairment of physical and mental efficiency. Disability burden accident victims both psychologically and financially – no matter how severe the restriction. The DFV-UnfallSchutz already provides from a degree of disability of 1%. Are you sometimes limited by the consequences of an accident? The private accident insurance DFV-UnfallSchutz secures them extensively.
Worldwide assistance services
An accident changes the life situation abruptly, one is in the hospital or is not fully operational. But everyday life continues. Who then brings the children to school or cares for the pets and cares for the relatives?
For all this we have found an excellent solution. With our powerful accident aftercare and the personal Assistance services We offer a carefree package so you can concentrate fully on your recovery.
Our emergency number is available 24 hours (free of charge).
Digital, mobile and service-oriented
With us you never lose track. In the DFV customer portal, you can access your contract documents at any time and download them. In addition, you have access to our service center and the quick adjustment.
When you’re on the go, you’ll also find your wallet card in the e-mail. This means that your insurance certificate and all service numbers are also available on the go.
Legislators essentially insure only employed persons at work and on the way to work, as well as children and students in school and university or on the way there.
The statutory accident insurance also knows no disability benefits, but only the assumption of treatment and rehabilitation costs. Since two thirds of all accidents take place during leisure time, there is not even this minimum protection available.
If an accident leads to a physical disability, everyday life in the familiar home environment quickly comes with many hurdles. A simple staircase or a commercial shower can be a challenge.
If handicapped-accessible modifications are to be made in the living space, the DFV-UnfallSchutz is at your side. Conversion of flats, relocation to handicapped accessible premises, conversion or new acquisition of a car? Only a private accident insurance such as the DFV-UnfallSchutz also assumes follow-up costs from accidents that are outside of work.
Light accidents often have serious consequences and unexpectedly turn your life upside down. Work and private life suffer from the permanent impairment of physical and mental efficiency. Disability burden accident victims both psychologically and financially – no matter how severe the restriction. The DFV-UnfallSchutz already provides from a degree of disability of 1%. Are you sometimes limited by the consequences of an accident? The private accident insurance DFV-UnfallSchutz secures them extensively.
An accident changes the life situation abruptly, one is in the hospital or is not fully operational. But everyday life continues. Who then brings the children to school or cares for the pets and cares for the relatives?
For all this we have found an excellent solution. With our powerful accident aftercare and the personal Assistance services We offer a carefree package so you can concentrate fully on your recovery.
Our emergency number is available 24 hours (free of charge).
With us you never lose track. In the DFV customer portal, you can access your contract documents at any time and download them. In addition, you have access to our service center and the quick adjustment.
When you’re on the go, you’ll also find your wallet card in the e-mail. This means that your insurance certificate and all service numbers are also available on the go.
Communications Safety Stiftung Warentest “VERY GOOD”
Stiftung Warentest Finanztest (09/2018) compared 117 private accident insurance policies for working people and children.
The DFV-UnfallSchutz was able to convince with the excellent grade “VERY GOOD” (1.3) and thus belongs to the best accident insurance in Germany.
Carefree accident protection – we make it possible Benefits of accident insurance
Rooming-In
Children are at a higher risk of accidents than adults. If a child needs hospitalization in the hospital, parents always have the option to stay in the same room. Persons, who are dependent on a special care, are equally entitled to rooming-in services. These include, but are not limited to, those who have a severe disability or need rehab measures.
rescue costs
Recovery costs are related to rescue operations. They occur when people have to be freed from a life-threatening situation. For example, during a skiing holiday in the Alps, when the person is spilled by a snow avalanche. In such a case, search dogs must be used to locate the casualty under the amount of snow and to ensure rapid transport to a hospital.
Hospital Cash
The hospital daily allowance can be used for hospital in-patient treatment. The policyholder receives a fixed amount of money per day. This amount of money should cover the additional costs that are not covered by the statutory health insurance. These include costs for telephone, internet and TV or accommodation in a single or double room.
Cosmetic operations
An accident can leave both physical and aesthetic marks. In some cases this can be a mental burden for the person concerned. Accident victims are entitled to a cosmetic operation if the appearance of the policyholder has changed as a result of an accident. Adults can take the procedure within a period of three years, minors under the age of 21.
Calculate degree of disability limbs tax
The amount of the insurance benefit is determined by the degree of disability. The turn is determined by means of the articulated tax. To this end, the insurance assigns a certain degree of disability to the accidental loss of each body part and sensory organ. The list of these values is called the so-called member tax.
The loss of the thumb is z. B. with 45% and the loss of a foot with a degree of disability of 70%. If several parts of the body or sensory organs are affected by the accident, the calculated degrees of disability are added together. More than 100% are not taken into account.
Pension gap of the statutory accident insurance When are you insured for accidents?
Housewives, pensioners & self-employed
Housewives (and men), pensioners and the self-employed are excluded from the statutory accident insurance. In order to avoid unnecessary risk, it is therefore important to hedge the consequences of an accident with a private accident insurance.
Employed persons (from approx. 7 am to 4 pm)
For workers, the statutory accident insurance can come into force due to an accident at work or an occupational disease. However, not every accident at work is covered by the statutory accident insurance because it has to be related to the place of work and the direct way to work.
Pupils and students (from approx. 7am to 2pm)
In case of an accident, pupils and students receive benefits from the statutory accident insurance. The prerequisite is that the pupil / student was in the school / university during the event or the direct way or return.
Children (from approx. 7 – 12 o’clock)
Children are in kindergarten or in a daycare under the protection of the statutory accident insurance. This protection also applies to the path between your own home and the furnishings. There is no accident protection for children who are not yet in kindergarten.
Frequently Asked Questions about private accident insurance
Is a private accident insurance makes sense?
A private accident insurance is basically for everyone – no matter what age – makes sense. Although there is a statutory accident insurance, but this only applies to accidents at work, occupational diseases and school activities. However, more than 70% of accidents happen during leisure time – exactly where statutory accident insurance does not apply. With the conclusion of a private accident insurance these gaps can be closed – at any place and at any time.
Since serious accident injuries often entail high financial burdens, additional coverage is vitally important. The disability benefit of the private accident insurance can be used by the insured person according to his personal needs – eg. For example, for disabled-friendly conversions in the house or to compensate for loss of earnings.
What is insured with the accident insurance?
- Disability benefits: This occurs when the insured person is permanently impaired in their physical or mental capacity due to an accident.
- Immediate performance in case of serious injury: According to the tariff ICD-list (International Statistical Classification of Diseases and Related Health Problems), the DFV Accident Insurance provides between 5,000 € and 20,000 € (depending on the chosen benefit package)
- Death benefit: is paid to the heirs or beneficiary if the insured person died as a result of an accident in the following twelve months.
- Hospital daily allowance and recovery money: comes into play when an insured person is in medically necessary inpatient treatment (eg in the hospital).
- As well as other insurance lines: Search, Rescue or Salvage Operations, Cosmetic Surgery, Ambulance and Repatriation, Nursing Care, Rooming-in-Charges, etc. (see Benefits Packages)
In which cases does the accident insurance not?
For every accident insurance, there are exceptions where the insurance cover is excluded from the outset. No entitlement to disability benefits exists:
- In case of accidents during exercise particularly dangerous occupation happened. These are listed in the appendix of the insurance conditions under the occupational group index. These include z. For example, professions such as artist, miner, scaffolder or stuntmen.
- If the accident or the consequences of the accident CompletedbyDiseases or ailmentscaused were. Only proportional participation of other illnesses or ailments is not counted.
- As a result of Taking drugs or other Substance or by consciously disregarding warning or safety instructions – however, it does not exist if the insured person goes into this danger in order to save other persons.
- Participation in Sports aimed at injuries (eg boxing or kickboxing) and car racing are not insured. A complete overview of the exact exclusions can be found in our insurance conditions for the DFV-Unfall-Schutz.
What does “Inval >
A condition for the invalidity benefit is that the physical or mental capacity of the insured person is permanently impaired by an accident – ie he has a disability. It is said to be permanently impaired if it is expected to last more than three years, and a change in condition is not expected. The disability must have occurred within 24 months of the accident and must have been diagnosed by a doctor within 36 months.
Of the DFV-accidentprotection already from a degree of disability of 1%. If several parts of the body, organs or sensory organs are impaired due to an accident, the calculated degrees of disability are added together. The assessment of the degree of disability is based on the improved articulated tax shown in the insurance conditions. The insurer uses the member’s tax to determine the degree of disability in the event of loss or complete inability to function of body parts or organs, but more than 100% (full disability) is not possible. The insured person receives the agreed sum insured as a one-time payment.
What advantages does the progression offer me??
In the case of the linear accident rate, the increases in the amount of disability are linked to the level of disability on a straight-line basis. Linear in this context means that after an accident all invalidity degrees are covered without exception. If an accident rate with progression is chosen, the disability benefits increase disproportionately with increasing degree of disability. The following progression scales can be selected:
- 100% DFV-UnfallSchutz Basis (linear)
- 225% DFV accident protection comfort
- 350% DFV accident protection Premium
- 500% DFV-UnfallSchutz Exclusively
So choose the variant "Base", In the case of total invalidity (that is, a degree of disability of 100%) you will receive a sum insured of 50,000 euros – So here is no progression included. Should you use the variant "Comfort" you would be in the highest disability 225,000 euros receive. According to the "Premium" it would be 350,000 euros and "Exclusive" even 500,000 euros. The sum insured increases progressively with increasing disability.
The advantage of progression is that, after a serious accident involving a high level of disability, you will have significantly more money available to better absorb the financial hardships of disability.
Do I need accident insurance, despite occupational disability insurance??
Yes! The occupational disability insurance only works if the accident means that you are at least 50% disabled. Occupational disability insurance benefits are therefore dependent on whether you can continue to work after an accident. The DFV accident protection is completely independent of your employment opportunities. You receive financial support for all illness-related consequential costs of an accident. Ability to work but still burdened with health and finances? The DFV accident protection protects all risks.
A private accident insurance is basically for everyone – no matter what age – makes sense. Although there is a statutory accident insurance, but this only applies to accidents at work, occupational diseases and school activities. However, more than 70% of accidents happen during leisure time – exactly where statutory accident insurance does not apply. With the conclusion of a private accident insurance these gaps can be closed – at any place and at any time.
Since serious accident injuries often entail high financial burdens, additional coverage is vitally important. The disability benefit of the private accident insurance can be used by the insured person according to his personal needs – eg. For example, for disabled-friendly conversions in the house or to compensate for loss of earnings.
What is insured with the accident insurance?
- Disability benefits: This occurs when the insured person is permanently impaired in their physical or mental capacity due to an accident.
- Immediate performance in case of serious injury: According to the tariff ICD-list (International Statistical Classification of Diseases and Related Health Problems), the DFV Accident Insurance provides between 5,000 € and 20,000 € (depending on the chosen benefit package)
- Death benefit: is paid to the heirs or beneficiary if the insured person died as a result of an accident in the following twelve months.
- Hospital daily allowance and recovery money: comes into play when an insured person is in medically necessary inpatient treatment (eg in the hospital).
- As well as other insurance lines: Search, Rescue or Salvage Operations, Cosmetic Surgery, Ambulance and Repatriation, Nursing Care, Rooming-in-Charges, etc. (see Benefits Packages)
In which cases does the accident insurance not?
For every accident insurance, there are exceptions where the insurance cover is excluded from the outset. No entitlement to disability benefits exists:
- In case of accidents during exercise particularly dangerous occupation happened. These are listed in the appendix of the insurance conditions under the occupational group index. These include z. For example, professions such as artist, miner, scaffolder or stuntmen.
- If the accident or the consequences of the accident CompletedbyDiseases or ailmentscaused were. Only proportional participation of other illnesses or ailments is not counted.
- As a result of Taking drugs or other Substance or by consciously disregarding warning or safety instructions – however, it does not exist if the insured person goes into this danger in order to save other persons.
- Participation in Sports aimed at injuries (eg boxing or kickboxing) and car racing are not insured. A complete overview of the exact exclusions can be found in our insurance conditions for the DFV-Unfall-Schutz.
What does “disability” mean in accident insurance?
A condition for the invalidity benefit is that the physical or mental capacity of the insured person is permanently impaired by an accident – ie he has a disability. It is said to be permanently impaired if it is expected to last more than three years, and a change in condition is not expected. The disability must have occurred within 24 months of the accident and must have been diagnosed by a doctor within 36 months.
Of the DFV-accidentprotection already from a degree of disability of 1%. If several parts of the body, organs or sensory organs are impaired due to an accident, the calculated degrees of disability are added together. The assessment of the degree of disability is based on the improved articulated tax shown in the insurance conditions. The insurer uses the member’s tax to determine the degree of disability in the event of loss or complete inability to function of body parts or organs, but more than 100% (full disability) is not possible. The insured person receives the agreed sum insured as a one-time payment.
In the case of the linear accident rate, the increases in the amount of disability are linked to the level of disability on a straight-line basis. Linear in this context means that after an accident all invalidity degrees are covered without exception. If an accident rate with progression is chosen, the disability benefits increase disproportionately with increasing degree of disability. The following progression scales can be selected:
- 100% DFV-UnfallSchutz Basis (linear)
- 225% DFV accident protection comfort
- 350% DFV accident protection Premium
- 500% DFV-UnfallSchutz Exclusively
So choose the variant "Base", In the case of total invalidity (that is, a degree of disability of 100%) you will receive a sum insured of 50,000 euros – So here is no progression included. Should you use the variant "Comfort" you would be in the highest disability 225,000 euros receive. According to the "Premium" it would be 350,000 euros and "Exclusive" even 500,000 euros. The sum insured increases progressively with increasing disability.
The advantage of progression is that, after a serious accident involving a high level of disability, you will have significantly more money available to better absorb the financial hardships of disability.
Yes! The occupational disability insurance only works if the accident means that you are at least 50% disabled. Occupational disability insurance benefits are therefore dependent on whether you can continue to work after an accident. The DFV accident protection is completely independent of your employment opportunities. You receive financial support for all illness-related consequential costs of an accident. Ability to work but still burdened with health and finances? The DFV accident protection protects all risks.
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