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HUK accident insurance in the test: Well insured in your free time

The essentials in brief:

  • Statutory accident insurance only pays for accidents on the way to work, during work and on the way home from work
  • private accident insurance provides financial help for accidents in the spare time, the HUK Coburg even for poisoning / allergic reactions and the consequences of a stroke or heart attack
  • HUK Coburg accident insurance grants benefits from 1% disability, for example in the form of a disability pension or the assumption of costs for cosmetic operations, handicapped-friendly renovations of the house or domestic help
  • Accident Plus module doubles the cost coverage of the individual services and offers an immediate payment in the amount of € 1,500 for broken bones

Unfortunately, it is a misconception that statutory accident insurance covers the costs of an accident. Only if the accident occurred during work, on the way to work or on the way home, is the insurance coverage provided by the statutory accident insurance. This means that there is no insurance cover in the free time and even the self-employed, the elderly or the housewife who does not have any professional activity has no claim to benefits after an accident.

Anyone who needs financial assistance after an accident should take out private accident insurance for themselves and the family

Christina Cherry

Liability insurance parents – How long is this possible

Children are generally covered by their parents’ liability insurance up to the age of 18. During the time in the Bundeswehr or in the civil service, children are also insured free of charge. Co-insurance ends when training begins. The same applies to married insured persons.

Benefit from the favorable online conditions and receive a need-based protection that is individually tailored to your needs. The best parent policies are compared here.

Top parental insurance in the test.de ranking

  • Black Forest Direct Exclusive Fair Play and Exclusive Fair Play Plus
  • wgv-sky blue family
  • Landowner Direct Plus
  • East Angler Exclusive Fair Play
  • Docura family / partner
  • Astra Quality
  • Media comfort

Liability insurance for parents – for students and in training

Students do not have to take out their own private liability insurance until the age of 25. However, anyone who lives in their own household at the age of 18 already has to take care of their own insurance when moving out. In the case of vocational training or also during school time, there is unlimited insurance protection through the parents. In this case, too, there is an exception for children of legal age who are married or live in their own household. A combined liability can save a lot of money for trainees in the event of damage. VHV Versicherung also provides very good offers.

Christina Cherry

Private liability: How long are children insured with their parents?

Private liability: How long are children insured with their parents

In private liability insurance, children are automatically insured with their parents in a so-called family tariff. If the policyholder takes out a corresponding policy, there is also insurance cover for children living in the household. These family policies are usually only marginally more expensive than single policies and are highly recommended for every family. In the event of damage caused to third parties, private liability covers the costs of claims for damages and, if necessary, even pays millions in damages. The conditions under which and how long children are covered by the parents should be explained below.

Christina Cherry

The bonus book for those insured by law

The bonus booklet is well known to everyone insured by law. It was introduced in 1989 to provide patients with an additional incentive for regular prophylaxis at the dentist. Annual check-ups help to identify and treat tooth damage as early as possible. If the bonus booklet is kept in a disciplined manner, patients can even save money in the event of expensive dental prosthesis care.

What is the bonus book?

The bonus booklet is a small leaflet and its format is comparable to that of a check card. So it can be conveniently stored in any wallet. The attending dentist documents the check-ups that have been carried out. If patients regularly take prophylaxis and can prove this with the help of the bonus booklet from the health insurance company, their entitlement to subsidies for dentures increases. 12- to 17-year-olds should have individual prophylaxis in every calendar half-year. From the age of 18, proof of a dental examination is only required once a year to increase the grant.

Christina Cherry