Private accident pension makes sense, is important or is necessary?

According to the insurance industry, more than every second contract for private accident insurance is concluded with an additional accident pension.

To evaluate whether insurance is one private accident pension for one personally sensible, important or necessary , you have to keep several aspects in mind and take into account your own existing (private as well as statutory) insurance cover.

First of all, the Purpose of a private accident pension to understand and when and in what amount. The insurer pays in the defined insurance case, depending on the insurance conditions, but usually a permanent disability of at least 50% (with worldwide validity in the private as well as professional area!) monthly rent in the amount agreed in the insurance contract, either until they reach a certain age (e.g. until retirement) or for life. The money can be used to cover emerging running costs, such as one Housekeeping, child or nursing help! In addition, a financial loss can be compensated for, which has occurred due to the necessary reduction in working hours or a change of job due to the accident. There is one for that private accident pension makes sense.

One-time "charges", such as for a required one, disability-friendly conversion of the apartment / house / car, can best with a correspondingly high Capital payment as a one-off payment in a private accident insurance get paid. The private accident pension alone is rather unsuitable or less useful. We at unfallrente.net provide an online tariff comparison calculator for private accident insurance with the inclusion of an accident pension as recommended by Finanztest.

The Loss of labor you’d better secure it with one private disability insurance or disability insurance from (see more details below)!

Pension from statutory accident insurance vs. Private accident pension

Most people in Germany are by law statutory accident insurance, for example Employees, students, pupils or trainees. However, statutory insurance protection is only limited to Work accidents, commuting accidents and occupational diseases. That means in general, in the Leisure time is unprotected, one worldwide insurance coverage around the clock only offers private insurance! Before an occupational disease or injury pension is also paid by the accident insurance institution, for example a professional association, it takes time and a number of requirements must be met.

On Another advantage with the private accident pension is that this is usually in full agreed amount is paid out as soon as the specified degree of disability exceeded to whatever extent. In the statutory accident insurance, however, the amount of the occupational disease and injury pension is based on Annual earnings before the insured event and the Degree of work capacity reduction! Depending on the statutory accident insurance institution pays a maximum of 2/3 of the JAV (full pension at 100% MdE). With a partial MdE (at least 20%!) Even only as a percentage of 2/3 of the JAV!

For one private accident pension can also be a so-called Performance and contribution dynamics to be agreed. In the event of an insurance claim, the pension dynamics automatically increase by the agreed amount each year. So you can have one real inflation compensation achieve what is not possible with pensions from the statutory accident insurance! With the contribution dynamics, there is the option to increase the amount of the accident pension every year in the event of non-payment. This makes it clear that the private accident pension can be used to provide specific coverage as required!

Private accident pension as a sensible alternative to occupational disability insurance?

The conclusion of a private accident insurance or the inclusion of a private accident pension in a classic accident insurance contract with lump-sum benefits can be used to protect your own workforce sensible alternative to occupational disability insurance if the health or professional reasons make it impossible to conclude the latter, the exclusions are too serious or the insurance premium is too high. However, a 1: 1 replacement is not a private accident pension for the purpose of securing workers, because occupational and occupational disability insurance also cover illnesses and not just accidents. And now Statistically speaking, illnesses are the main reason for disability. That is why this protection is much more expensive than private accident (pension) insurance in the same amount. Here we provide you with a free tariff comparison calculator for occupational disability insurance, which you can use without any obligation:

The positive thing is that many accident insurers rely on the Extension of the concept of accident let in. For example, some providers also find Heart attacks or first-time cancers as a sudden external event validity.

Accident pension or disability benefit (one-off payment)?

Like Finanztest, we recommend agreeing a private accident pension as an additional component in a classic accident insurance contract with capital benefits. So not, or both! This is especially true for young people. For example, if you are already in your early 60s and suffer an accident with permanent disability as a result, you might be better served with a one-time benefit than with a lifelong pension, as the remaining life expectancy compared to a young insured person is significantly lower.

Private accident (pension) insurance for children makes a lot of sense

Insurance for a private accident pension can be very useful for children, schoolchildren or students, especially if here too no occupational disability or disability protection yet exists and also no claims from the statutory pension insurance. Background: An accident can mean that young people never enter work and may never be able to make a living themselves.

Since children, schoolchildren or students generally do not earn their own work income or wages, the amount of the statutory accident insurance pension benefit is calculated in the event of an insurance claim (i.e. only in the case of certain accidents, such as commuting to school, on campus, etc., but not in free time!) based on a fictitious annual earnings. This results in the insured event following monthly pensions of the statutory accident insurance:

Children’s and minimum JAV for 2017 per month

With a private accident pension on the other hand, if need be, lifelong – precise, needs-specific coverage in sufficient pensions. Here you can access our online tariff comparison calculator.

Comparison calculator accident pension

legal advice

You have problems with your statutory accident insurance or private insurance?

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