Do I have to insure my free time? [Anzeige]
Most accidents happen at home and during leisure time. In comparison, the proportion of accidents that happen at work is small. The problem: We are only protected against the consequences of an accident during working hours via accident insurance from the employer. So do I have to spend my free time through a private accident insurance to secure? In this article, we explain Adam Riese’s accident insurance.
A legitimate question is: Am I not automatically covered by statutory accident insurance? Unfortunately, this insurance only applies during work and on the direct way to or from work. Statutory accident insurance therefore offers no protection during leisure time, during sports or in the household.
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Private accident insurance: That’s why it’s so important
It is not without reason that the statistics show that so many accidents happen during leisure time and in the home. It doesn’t matter whether it’s playing tennis, on the ski slopes or cleaning up – when and whether an accident will occur is completely unpredictable beforehand.
The result can be a lifelong disability and possibly lead to you no longer being able to practice your profession. If you have not taken out disability insurance or cannot take out one, private accident insurance can be a good alternative to be covered in the event of damage.
By the way, private accident insurance is also interesting for working from home. Although you are generally insured through your employer’s statutory accident insurance, in the event of damage during working hours, you must justify whether you did something private during the accident or not. The private accident insurance protects you accordingly in all situations.
For whom is private accident insurance suitable?
Private accident insurance is suitable for anyone who wants to protect themselves and their family in the event of accidents at home, during sports or during leisure time. Private accident insurance is particularly useful for the following groups of people:
- Self-employed and employees
- Employees in the home office
- housewives and househusbands
- pensioners
- children and young people
- Female students
- job seekers
Which services are important in private accident insurance?
For any good private accident insurance, there should be worldwide protection that is valid at all times. The classic benefits of insurance include various points such as daily hospital allowance. This is paid out for a maximum of 5 years after the accident (tariff XXL).
Or the accident pension, which is paid out for life from a 50 percent degree of disability. As already mentioned, this is important if you can no longer practice your profession as a result of the accident. An additional death benefit is also interesting for many people, especially for families. In the event of death, a predetermined lump sum is then paid out to the beneficiaries.
What should I look out for in my private accident insurance?
Private accident insurance is one of the types of insurance that is not required by law to be taken out. With these private supplementary insurances, it is usually necessary to answer a number of health questions before taking out the insurance. The insurance companies then decide whether you are suitable for a tariff.
The cost of your private accident insurance depends on your age, your job, the benefits and the term. When concluding your tariff, make sure that you decide on a sufficient sum insured. This means that the older you are and the more risky your free time is, the higher the sum insured should be.
Adam Riese’s private online accident insurance
The insurance experts from Adam Giant offer private accident insurance that will provide you with adequate support in the event of damage. Even before the conclusion, it becomes apparent why the insurance provider differs from the competition: Only one health question is asked in advance.
Adam Riese also expands the concept of an accident and thus enables the insured to have significantly higher insurance protection, for example in the case of infections caused by animal bites or impaired consciousness due to fatigue or sleepwalking.
The contribution of your private accident insurance from Adam Riese depends, among other things, on your age and your job. The big advantage is that the contribution can be adjusted flexibly and completely according to the risk. You can put together your tariff individually, depending on which services are particularly important for you and your family. The tariffs at Adam Riese start from a monthly fee of 4.91 euros. The insurance can also be canceled at any time.
Convince yourself now and submit yours private accident insurance with Adam Riese individually for a low monthly fee.
