As for the benefits provided by private insurance covers?

As for the benefits provided by private insurance covers?

The majority of the performance range of private insurance is the disability, an accident caused permanent health damage. The lump-sum payment in the event of permanent damage depends on the so-called degree of disability, which is determined by experts. Furthermore, the degree of permanent damage to health by means of a so-called "Gliedertaxe determine" if there is an accident due to the inability to function or even the loss of body parts and organs of sense. Not there is a possibility to determine the degree of disability, as this type of injury does not allow a medical report will be created, so that determines the extent of the scope of the person concerned has been affected by the accident.
Another large part of the task spectrum of private insurance, however, is the death benefit. If the cause of the accident consequences in a year to the death of the insured, shall be agreed on a death benefit. This may not be this amount of money greater than the sum insured for disability.
Also offers private insurance to two different forms of daily subsistence allowance. The so-called accident hospital overnight will be calculated depending on the number of days in hospital.
The second form of call money insurance, the insurer pays, even if the person is indeed incapacitated, shall not remain in the hospital.
Is drawn also by the consequences of the accident, the work affected, then an agreed overnight for the duration of medical treatment is paid.
The so-called recovery of money, however, is calculated together with the hospital overnight. The recovery of the money will be paid also for the same number of days of hospital daily subsistence allowance.
In addition, private insurance has another benefit in the form of transitional allowance. However, this can only be determined after completion of treatment, so the amount of money paid will be calculated after determining the degree of disability and.
The recovery costs, however, is only paid by the insurer, if incurred costs of rescue, search and rescue or salvage operations.
Schließlicht has private insurance are also entitled to reimbursement cosmetic surgery, if necessary after the end of treatment to cosmetic surgery.

What kind of insurance does have a private accident insurance?

Private insurance: Benefits

In contrast to a statutory health insurance private health insurance usually offers several advantages. Thus, for example, the services of a private insurance more compact and effective.

If the insured person after an accident incapacitated, for example, it is paid by private insurance, a single contribution. At 65 Health insurance takes over the age of the disability pension.
Also a payment of hospital daily allowance for each day of the fractured patient treatment in hospital will be included in the package of services of private insurance. Assumption here is that there is an accidental injury or illness.
Even up to one years the allowance has replaced the privately insured, when he was on sick leave by the doctor.
If, after a serious accident to expensive rescue operations or evacuations, the private insurance bear all costs.
Upon death, the survivors of the insured person is paid a one-off amount.
Must be a casualty for several months in a rehabilitation clinic and requires more complex treatments, so here jumps also a private accident insurance. This does not apply to mental health problems, such as accidental trauma.
Even cosmetic corrections are handled by private accident insurance is often, though not completely. Here, however, some conditions must be met. For example, a cosmetic change is accepted only if disfigurement or deformity of the body caused by an accident. Moreover, this correction must be no more than two or three years will be carried out after an accident.

Insurance benefits from one fund to be managed very differently. In any case, you can take a private insurance always very good and is contrary to the statutory health insurance much better coverage.

What are the pros and cons of a personal accident insurance with refund of contributions?

The pros and cons of a personal accident insurance with contributions restitution

The private insurance is a private supplementary insurance, which can increase the performance of statutory insurance. Statutory accident finally occurs only in the event of industrial accidents or occupational disease. Accidents in recreational or household use are not covered, however.

It is therefore necessary to conclude an additional private protection. Depending on the desired benefits of private insurance can be freely chosen. They range from payment of hospital benefit on cosmetic surgery up to the pension payment in the event of disability as a result of the accident. Disability payments can also be secured on the accident.

A private insurance can generally be completed in two different ways. This is partly as a pure risk insurance. She takes over in the insurance case, the costs incurred. Other services, however, not be paid.

In contrast, the insurance contribution is consistent with restitution. Anyone who chooses, at the end of the contract shall be refunded the contributions paid. This is often regardless of whether the insurer has paid during the term of service or not. Restitution refers only to the risk premia. Installment charges or premium taxes are not included. Thus, the accident is post back with an insurance guarantee on the one hand and the other, a savings scheme.

The contracts will be here both as a traditional interest-bearing contracts sold as well as unit-linked insurance. Although the latter offers greater returns, a guaranteed payout amount can be found here, but not usually. In the classic variant is known as an insured, however, already in the conclusion, which guaranteed amount is paid. Only the bonuses can not be predicted in detail.

The advantage of the insurance contribution with restitution is that the payments during the period are not lost. Since the insurance is usually completed by the age of retirement, the contract can also serve as a small additional pension.
The disadvantage is that the premiums for accident insurance with a private posting restitution slightly higher than for a classical risk insurance. Finally, in addition to the risk and the savings scheme must be operated.