What is the best accident insurance?
While employees are protected by the statutory accident insurance during work and on the roads, this looks different in their free time. An accident insurance protects you from serious accidents during your free time, which caused permanent damage to your health. This is especially interesting if you practice an extreme sports hobby in your free time. This includes, for example, motorcycling, climbing or mountain biking.
Conveniently conclude accident insurance: is that sensible?
Concluding an accident insurance is possible, but not always useful. Our tip: First of all, check which of the benefits can be covered by a disability insurance. As a rule, this makes more sense for employees than completing a pure accident insurance. If you already have occupational disability insurance, accident insurance can provide additional protection.
Also the policy of Comprehensive health insurance or the health insurance It may be worthwhile to consider. So you are not insured twice for an event!
However, pay more attention to the so-called basic disability sum and the progression, than to the monthly rate. The best accident insurance is of little use to you if you can not cover all the costs with the sum paid out.
A severe disability can result in a remodeling of the house, loss of salary and various new purchases.