Monthly prices start from 1.19 €
Monatlich schon ab 1,19 €.
Digital. Einfach. Ökologisch.
Produktvariante: Comfort
Progression: 350%
Grundsumme: 25.000
Vollinvalidität: 87.500
Berufsgruppe A
Alter: Unter 60 Jahren
Our Tariffs
| Comfort | Full | |
|---|---|---|
| Search, rescue, transport and retrieval costs | EUR 50.000 | EUR 1.000.000 |
| Costs for cosmetic operations including dental treatment, dentures and dental laboratory costs | EUR 50.000 | EUR 1.000.000 |
| Immediate payment in case of serious injuries | EUR 10.000 | EUR 20.000 |
| Check Our Prices | Check Our Prices |
Our Tariffs
| Comfort |
|---|
| Search, rescue, transport and retrieval costs EUR 50.000 |
| Costs for cosmetic operations including dental treatment, dentures and dental laboratory costs EUR 50.000 |
| Immediate payment in case of serious injuries EUR 10.000 |
| Check Our Prices |
| Full |
|---|
| Search, rescue, transport and retrieval costs EUR 1.000.000 |
| Costs for cosmetic operations including dental treatment, dentures and dental laboratory costs EUR 1.000.000 |
| Immediate payment in case of serious injuries EUR 20.000 |
| Check Our Prices |
Tariff Details
| Comfort | Full | |
|---|---|---|
| Damage to health due to increased exertion and personal movement | ||
| Sunburn or sunstroke | ||
| Disturbed consciousness due to heart attack, stroke or medication | ||
| Accidents due to cardiovascular disorders and fainting spells | ||
| Inclusion of infectious diseases | only tetanus and rabies | incl. 29 defined infectious diseases |
| Allergic reactions to insect bites or other skin or mucous membrane injuries | ||
| Deadline for medical diagnosis/notification of disability following an accident | 24 Months | 36 Months |
| Helmet bonus | Plus 25 % disability benefit; max. EUR 50.000 | |
| Vested Rights Guarantee | ||
| Risk Carrier: Element Insurance AG (element.in) |
Tariff Details
| Comfort | Full | |
|---|---|---|
| Damage to health due to increased exertion and personal movement | ||
| Sunburn or sunstroke | ||
| Disturbed consciousness due to heart attack, stroke or medication | ||
| Accidents due to cardiovascular disorders and fainting spells | ||
| Inclusion of infectious diseases | ||
| only tetanus and rabies | incl. 29 defined infectious diseases | |
| Allergic reactions to insect bites or other skin or mucous membrane injuries | ||
| Deadline for medical diagnosis/notification of disability following an accident | ||
| 24 Months | 36 Months | |
| Helmet bonus | ||
| Plus 25 % disability benefit; max. EUR 50.000 | ||
| Vested Rights Guarantee | ||
| Risk Carrier: Element Insurance AG (element.in) | ||
The Benefits of Our Private Accident Insurance:
Disability Benefit:
The disability benefit is financial compensation paid when the insured person is permanently disabled due to an accident. The amount of payment often depends on the degree of disability, which is expressed as a percentage. Different degrees of disability and corresponding payments may be specified depending on the insurance policy.
Accident Daily Benefit:
The accident daily benefit is a benefit that pays the insured person a certain amount of money for each day they spend in the hospital due to an accident. This is intended to cover additional costs during the hospital stay that may not be covered by other insurances.
Accident Hospital Daily Benefit:
Similar to the accident daily benefit, the accident hospital daily benefit is designed to mitigate the financial burden associated with a hospital stay due to an accident. The insured person receives a daily cash benefit for each day in the hospital.
Death Benefit:
The death benefit is a benefit that is paid out in the event of the death of the insured person due to an accident. The insurer pays a predetermined amount to the named beneficiaries or heirs of the deceased. This benefit is intended to help relieve financial burdens for the living relatives.
The following benefits are always included in your contract. If there are multiple contracts with these types of benefits for an insured person, they can only be claimed from one of the contracts.
Search, rescue, and repatriation costs Costs for cosmetic surgeries Compensation for bone fractures and ligament tears (plaster money) Immediate payment for serious injuries Disability-related costs Medical and vocational rehabilitation Daily benefit for cure and rehabilitation measures Household aid costs Tutoring Expenses Psychological counseling Coma allowance and nursing care allowance Helmet bonus Precautionary insurance for life partners and children Rooming-in benefit for minor children and additional costs for a single room Reimbursement of costs for braces Deviations from the GDV model conditions Performance guarantee Status guarantee
General Overview of Private Accident Insurance
What is Accident Insurance?
Accident insurance is a type of insurance that provides protection and financial compensation in the event of accidents. Generally, it covers accidents leading to injuries or death, offering benefits such as hospital expenses, rehabilitation costs, disability benefits, or death benefits. Private accident insurance is specifically designed to offer financial protection in case of accidents. Unlike statutory accident insurance, which exists in many countries and mostly applies only to workplace accidents or direct commuting, private accident insurance covers accidents in various aspects of life. Before deciding on private accident insurance, it's important to carefully compare policies and ensure that the chosen coverage meets individual needs. You can purchase private accident insurance online from Techafull at affordable prices with comprehensive benefits.
What Does Accident Insurance Cover?
The exact coverage of accident insurance may vary depending on the insurance policy, but typically includes a range of benefits in case of accidents. Here are some common coverage areas:
Disability Benefits:
If the insured person is permanently disabled due to an accident, the insurance provides disability benefits. The amount of payment often depends on the degree of disability.
Death Benefits:
In the event of death due to an accident, the insurance pays benefits to the named beneficiaries.
Hospital Daily Allowance:
A daily cash benefit for each day spent in the hospital due to an accident.
Recovery Benefit:
A one-time amount or daily payments to support during the recovery phase.
Cosmetic Surgeries:
Costs for necessary cosmetic surgeries due to accident injuries may be covered.
Rescue Costs:
The costs for rescue and recovery after an accident may be reimbursed.
Who Needs Private Accident Insurance?
The decision to buy a private accident insurance depends on various factors and individual circumstances. Here are some groups of people who might consider getting private accident insurance:
Working Professionals:
Individuals working in professions associated with an increased risk of accidents (e.g., construction, craftsmen) might consider private accident insurance to obtain additional protection beyond statutory workplace accident insurance.
Athletes:
Individuals regularly participating in sports, especially high-risk sports, can benefit from accident insurance, as many standard health insurances may not fully cover certain types of sports injuries.
Families with Children:
Children are often more active and prone to accidents. Accident insurance can provide additional protection to cover medical costs or other financial burdens in the event of an accident.
Self-Employed and Freelancers:
Individuals without a fixed employer, who wouldn't receive worker's compensation in the event of accidents, might benefit from private accident insurance to cover income losses and medical expenses.
Elders:
Older individuals might have a higher risk of falls due to age-related limitations. In such cases, accident insurance can serve as additional protection.
Does Getting Accident Insurance Worth It?
The decision to get accident insurance depends on various individual factors. Here are some considerations that can help in the decision-making process:
Occupation and Lifestyle:
If you have a profession associated with an increased risk of accidents or if you lead an active lifestyle, accident insurance may be worthwhile. This is especially true if your profession or recreational activities are not covered by statutory accident insurance.
Family Status:
Families with children might consider accident insurance to ensure additional protection for their children, who are often more active and have a higher risk of injury.
Existing Insurance Coverage:
Review your existing insurance coverage, including health insurance and statutory accident insurance. Make sure that your existing policies provide sufficient protection before purchasing additional insurance.
Financial Situation:
If you would face additional costs in the event of an accident and cannot easily bear them financially, accident insurance could provide sensible protection.
Personal Risk Tolerance:
Some individuals engage in riskier activities. In such cases, accident insurance can serve as protection against unforeseen events.
Contents
Increased Physical Effort
Infections
Disability
Vaccination Damages
Rehabilitation
Daily Hospital Allowance
Accident Care
Optional Extras for Your Individual Needs
The various extras you can add to your private accident insurance provide specialized protection tailored to your needs. When looking for the best private accident insurance, you can rely on the add-on options from Techafull. You can purchase private accident insurance online from Techafull at affordable prices with comprehensive benefits.
Participation of Illnesses 100%
By including this option, pre-existing conditions you had at the time of an accident will not affect your benefits.
Accident Daily Benefit
Accident daily benefits are a replacement payment that is paid for the duration (but max. 1 year from the day of the accident) of medical treatment if the ability to work is impaired due to an accident. If the impairment of the ability to work is less than 100%, the accident daily benefits are paid in proportion.
Transition Benefit
A transition benefit becomes due when accident-related impairment of physical or mental capacity has persisted for a specific uninterrupted period (6 months) at a certain level (50%). The transition benefit is then due in the amount of the agreed insurance sum.
Monthly Accident Benefit
After an accident, the agreed-upon benefit is paid for life, but only from a disability level of min. 50%. You can specify a maximum of €3,000.
Active Plus
Coverage of costs for therapies after a severe accident, e.g., physiotherapy, speech therapy, acupuncture, etc.
Hospital Daily Benefit
If you are in the hospital after an accident, the agreed hospital daily benefit is paid out for each day.
Death Benefit
If you die as a result of an accident, the agreed death benefit is paid.
What is Not Covered?
No insurance coverage exists for the following accidents:
Accidents due to impaired consciousness caused by drug or alcohol consumption. Accidents that happen to the insured person while intentionally committing or attempting to commit a criminal act. Accidents directly or indirectly caused by events of war or civil war.
Exceptions:
1- The insured person is unexpectedly affected by war or civil war events while traveling abroad. In this case, the exclusion does not apply. The insurance coverage applies as long as it is impossible for the insured person to leave the territory of the relevant country.
No insurance coverage exists
- for travels to or through states where war or civil war is already ongoing, and for persons who enter the crisis area in anticipation of a possible war or civil war,
- for active participation in war or civil war,
- for accidents caused by nuclear, biological, or chemical weapons.
2- Accidents caused by:
- terrorist attacks committed outside the territories of the warring party, and
- violent conflicts and internal unrest,
are insured if the insured person did not participate on the side of the troublemakers.
Accidents caused directly or indirectly by nuclear energy.
Sports accidents (during competitions and training) when they are caused:
- As a professional athlete.
- During the practice of sports in such a way that the insured person earns the majority of their livelihood (including sports promotion and related activities within the police, military, and similar).
Exceptions:
This exclusion does not apply to contract amateurs and contract athletes who:
- engage in a professional activity alongside their sports activities and derive at least 50% of their livelihood from it, or
- do not engage in a professional activity because they are still in school or studying, and their earnings for the sport do not exceed a gross amount of EUR 6,000 per year (including fixed salaries, bonuses, prize money, advertising contracts, patronage, sponsorship, or other contributions)
as long as they practice sports below the first - for handball and ice hockey below the second, and football below the third - German division or performance class.
Accidents that happen to the insured person because they, a legal representative, or a custodian intentionally caused them.
Example
Let's imagine that a person named Anna has taken out a private accident insurance policy. Anna is a passionate cyclist and regularly rides in traffic. One day, she is hit by a car and suffers serious injuries that require a lengthy hospital stay and rehabilitation period.
Here is where the various benefits of the private accident insurance policy come into play:
Disability Benefit:
Anna suffers permanent physical impairments as a result of the accident. The disability benefit of the accident insurance comes into effect, paying her a predetermined sum based on the degree of disability.
Accident Hospital Daily Benefit:
Due to her injuries, Anna needs to be treated in the hospital. The accident hospital daily benefit of her insurance policy pays her a daily amount of money for each day she spends in the hospital. This additional money can help to cover the costs incurred by the hospital stay.
Accident daily benefit:
In addition to the hospital stay, Anna also needs time to recover at home. The accident daily benefit pays her another amount per day during this recovery phase to mitigate income losses or additional expenses.
Death Benefit:
Suppose the accident tragically led to Anna's death. In that case, the death benefit of the accident insurance would pay a predetermined amount to her named beneficiaries or heirs. This sum could help to mitigate financial burdens for her family.
In this example, the private accident insurance policy demonstrates the importance of being financially protected in the event of unforeseen events such as serious accidents. It provides additional protection beyond the regular health insurance coverage and helps to manage the financial impact of an accident.
Calculate your Techafull private accident insurance online now!
Attractive Extra Services
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FAQ
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Which situations can be defined as accidents?
In principle, an insured accident occurs when the insured person involuntarily suffers a health impairment as a result of a sudden external event (accident event). In addition, we also provide benefits for other involuntary health impairments such as certain poisonings, frostbite or damage caused by increased exertion and accidents as a result of certain disorders of consciousness. These are only examples. You can find the exact scope of benefits in the conditions.
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Are the accidents in my overseas travel included?
Yes, insurance cover exists worldwide and around the clock.
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What is the maximum amount of compensation for Personal Accident Insurance?
The amount of the insurance benefit depends on the selected disability sum as well as the agreed progression. In addition, the sum you receive in the event of an accident depends on your degree of disability.
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Are post-accident plastic surgery costs covered?
Yes, also cosmetic surgery (including dental treatment) that is necessary due to an insured accident is also covered
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Are damages from the Covid-19 vaccine covered?
Yes, vaccination damage (in general) is also insured.
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Are funeral expenses covered?
Not in general. A death benefit (analogous to the other selectable modules daily hospital allowance, daily allowance, etc.) can be concluded. In this case, the named heirs receive the selected sum in the event of the death of the insured person.
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Can I cancel my private accident insurance?
Yes, you can cancel your private accident insurance at any time. However, you must follow the cancellation period and terms specified in your insurance policy.
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Am I also insured abroad?
Yes, the coverage of your private accident insurance extends to foreign countries. Whether you are on a business trip, vacation, or traveling abroad for any other reason, you are covered by your accident insurance.
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How can I file an insurance claim?
In the event of a serious injury, you must report the claim to your insurance company as soon as possible. You can do this by phone, email, or online at “My Techafull.” Reporting your claim online is the fastest and easiest way to get the process started. Be sure to have all relevant information and documentation ready, such as your insurance policy, proof of purchase, and a detailed description of the incident.
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