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  • Private accident insurance

    Private accident insurance

    For when you lose your footing.

    • Your 24/7 global accident coverage
    • Long-term coverage even in the event of permanent disabilities following an accident
    • One-time payments of up to €750,000 upon request with lifetime annuity

Why do I need a private accident insurance?

Warum eine private Unfallversicherung notwendig ist.
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Did you know?

More than 70% of accidents occur during free time or in your own home.
That is to say, precisely when your statutory accident insurance doesn’t provide coverage.

In a nutshell: Here are the benefits of our private accident insurance
UnfallSchutz Vario Privat Island.

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Coverage in the event of accidents during free time or while travelling
Our accident coverage closes the gaps in your insurance policy that you currently have in the event of an accident outside of work - for example, accidents while exercising, accidents at home or injuries while spending time out in the nature. Your benefits: Coverage for consequences such as cosmetic operations, dental prostheses, rescue costs and psychological support.
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Long-term coverage in the event of consequential damages
Thanks to your long-term coverage, even long-term physical disabilities that entail special adjustments to your day-to-day life are covered - for example, a handicap accessible apartment or a car suitable for disabled persons.
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Payout of up to €750,000
The more severe the consequences, the more necessary significant financial compensation becomes. You should know that we pay starting from 10% disability. This ensures that you receive a one-time payment of up to €750,000 in the event of 100% disability. This means our private accident coverage isn’t just insurance for you, but for your loved ones as well.

Upon request, we can expand your accident coverage in accordance to your needs.

Family coverage

The plus for you and your family

  • spouses starting from marriage and children starting from birth are co-insured for 12 months without any additional charges.
(Also applies to adopted children up to the age of 14 starting from adoption)

Tip: You can extend this initial coverage, for example with our discounted child rates.

Accident coverage with accident pension

The popular way to expand your core coverage

  • Up to €12,000 of additional pension per year
  • Lifelong payout starting from 50% degree of disability
 

Tip: Expand your accident coverage with the additional monthly pension.

Do you want to know more? - Don´t hesitate to contact us!

We are happy to take the time and draw up an offer for your first-class coverage.

Beratung Altersvorsorge

PM-Premium Makler

PM-Premium Makler GmbH
Garðatorgi 7, 210 Gardobaer

Write to us or give us a call!
(Mon. - Fri. 9 am to 12 noon and 1 pm to 4 pm)

PM-Premium Makler

PM-Premium Makler GmbH
Garðatorgi 7, 210 Garðabær
Write to us or give us a call!
(Mon. - Fri. 9 am to 12 noon and 1 pm to 4 pm)
Get in touch        577 2025

Are you looking for specific information on private accident insurance?

Here, you can find additional material on our services relating to accident protection from SAARLAND Versicherungen as well as our answers to frequently asked questions.

When and where do I have statutory accident insurance?

  • Statutory accident insurance only applies to accidents in the workplace, at university or in educational institutions. The direct route there and back home is also included. You do not have statutory accident coverage in any other situations – you thus have no entitlement to payment. However, most accidents occur during free time. If it is at home, while exercising or during day-to-day activities: If your health insurance does not offer any further coverage, only private accident insurance will cover the bill.

    Statutory accident insurance only applies to accidents in the workplace, at university or in educational institutions. The direct route there and back home is also included. You do not have statutory accident coverage in any other situations – you thus have no entitlement to payment. However, most accidents occur during free time. If it is at home, while exercising or during day-to-day activities: If your health insurance does not offer any further coverage, only private accident insurance will cover the bill.

To what extent and for how long will I get my agreed accident pension?

  • In addition to the capital payment, the lifelong accident pension differentiates between two payment levels. In general, you will receive a lifelong accident pension of 500 euros if you suffer a 50% permanent degree of impairment (degree of disability) or more. If your degree of impairment is 90% or above, the monthly pension payment will be doubled to 1,000 euros.

    In addition to the capital payment, the lifelong accident pension differentiates between two payment levels. In general, you will receive a lifelong accident pension of 500 euros if you suffer a 50% permanent degree of impairment (degree of disability) or more. If your degree of impairment is 90% or above, the monthly pension payment will be doubled to 1,000 euros.

Are statutory payments offset against private accident insurance?

  • No, statutory payments are not offset against your private accident insurance. Your private accident coverage isn’t just applicable anywhere and at any time, but independent of your statutory insurance payments as well. Should you suffer an accident on your way home from the office, you will be entitled to the full amount of both payments. An additional private accident insurance policy will therefore increase your financial security while also protecting you at all times, anywhere in the world – even when statutory accident protection does not apply.

    No, statutory payments are not offset against your private accident insurance. Your private accident coverage isn’t just applicable anywhere and at any time, but independent of your statutory insurance payments as well. Should you suffer an accident on your way home from the office, you will be entitled to the full amount of both payments. An additional private accident insurance policy will therefore increase your financial security while also protecting you at all times, anywhere in the world – even when statutory accident protection does not apply.

Who is covered by accident insurance?

  • Generally, the insured person specified in the contract ist the one covered. Furthermore, SAARLAND Versicherungen´s accident insurance will be automatically adjusted should your life circumstances change.

    This means your spouse (starting from marriage), your newborn baby or your adopted child up to the age of 14 (starting from legal adoption) will be co-insured for 12 months free of charge (cf. Family provisional insurance conditions).

    Generally, the insured person specified in the contract ist the one covered. Furthermore, SAARLAND Versicherungen´s accident insurance will be automatically adjusted should your life circumstances change.

    This means your spouse (starting from marriage), your newborn baby or your adopted child up to the age of 14 (starting from legal adoption) will be co-insured for 12 months free of charge (cf. Family provisional insurance conditions).

Does accident insurance make sense for children?

  • Private accident insurance is virtually essential for children and adolescents. This ensures that children, young people and sports enthusiasts are always protected against the consequences of severe accidents – for example, an accident during exercise or from falling off play equipment can result in far-reaching health consequences. This causes a great amount of emotional and financial stress on the relatives. If your health insurance does not offer any further coverage, only private accident insurance will cover the bill. Accident insurance for children is a “life insurance” for children as it first and foremost guarantees them financial support and, depending on the severity, a lifelong pension as well.

    Private accident insurance is virtually essential for children and adolescents. This ensures that children, young people and sports enthusiasts are always protected against the consequences of severe accidents – for example, an accident during exercise or from falling off play equipment can result in far-reaching health consequences. This causes a great amount of emotional and financial stress on the relatives. If your health insurance does not offer any further coverage, only private accident insurance will cover the bill. Accident insurance for children is a “life insurance” for children as it first and foremost guarantees them financial support and, depending on the severity, a lifelong pension as well.

What is degree of disability?

  • Private accident insurance uses degree of disability to measure the severity of the permanent physical or mental disability a person suffers following a severe accident. A corresponding value can be determined using the so-called dismemberment schedule. If, for example, a person loses an arm due to an accident, this corresponds to a degree of disability of 80 per cent.

    Private accident insurance uses degree of disability to measure the severity of the permanent physical or mental disability a person suffers following a severe accident. A corresponding value can be determined using the so-called dismemberment schedule. If, for example, a person loses an arm due to an accident, this corresponds to a degree of disability of 80 per cent.

How large is the disability payment?

  • In the event of permanent health impairment following an accident, two factors determine the amount of the insurance payment: the agreed insured sum and the degree of impairment (degree of disability) determined. We will pay the determined amount to you in the form of a capital payment.

    We recommend that you decide on a sufficient insured sum. You are also welcome to make use of our expert advice.

    In the event of permanent health impairment following an accident, two factors determine the amount of the insurance payment: the agreed insured sum and the degree of impairment (degree of disability) determined. We will pay the determined amount to you in the form of a capital payment.

    We recommend that you decide on a sufficient insured sum. You are also welcome to make use of our expert advice.

What does progression mean in private accident insurance?

  • Progression constitutes a payment increase. Starting from a determined degree of impairment (degree of disability) of 25 per cent, the payment will increase with each percentage value.

    Progression is a turbocharger for your accident insurance, that is, the more severe the consequences of an accident, the larger the multiplier for your agreed insured sum and thus your financial means.

    Progression constitutes a payment increase. Starting from a determined degree of impairment (degree of disability) of 25 per cent, the payment will increase with each percentage value.

    Progression is a turbocharger for your accident insurance, that is, the more severe the consequences of an accident, the larger the multiplier for your agreed insured sum and thus your financial means.

More than 200 years of experience you can trust

Get to know the holding group Versicherungskammer

As part of the Versicherungskammer, we belong to Germany’s largest public insurance group.

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An impressive partnership!

Risikoträger Ihrer Altersvorsorge ist die Bayern-Versicherung Lebensversicherungs AG
The risk bearer for your pension plan is Bayern-Versicherung Lebensversicherung AG. Our local service provider for you is PREMIUM ehf.
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