Capital after disability
The base sum and progression determine the potential benefit.
Personal insurancePrivate clients and families
Financial support when life takes a different direction.
Private accident insurance can provide a lump sum or selected support services after permanent accident-related disability, helping you adapt to changed circumstances. Depending on the policy, cover can apply around the clock at work and during leisure time.
No obligationAvailable across GermanyGerman / Turkish / English
What you gain
The value of cover matched to your needs.
Planned financial flexibility with clearly selected benefits
Worldwide everyday cover
Check the geographical scope and 24-hour protection in the policy.
Selected additional benefits
Add an accident pension, rescue costs or rehabilitation only where there is a genuine need.
Moving towards the right fit
How we turn your goal into a clear next step.
We organise the important facts clearly and prepare a solution around your everyday needs and goals.
- 01
Match the base sum to the financial need
- 02
Compare progression and the schedule of injuries in plain language
- 03
Review rescue costs, cosmetic surgery, dental treatment and child benefits under the specific policy
- 04
Disclose occupation, hobbies and previous claims accurately
- 05
Understand exclusions and notification deadlines
Transparency note: Private accident insurance does not replace occupational disability insurance. It pays for an insured accident, not generally for illness.
Frequently asked questions
A few answers before you enquire.
01Does accident insurance also pay for illness?
No. The claim must result from an insured accident. Income protection for illness is a separate issue.
02What is progression?
The benefit rises more than proportionally at higher levels of disability. The agreed progression determines how strongly it increases.
03Is statutory accident insurance enough?
It mainly covers workplace and commuting accidents. Leisure accidents are generally outside its scope.
Free enquiry
Review accident cover.
Tell us who needs cover and whether any particular occupations or hobbies apply.
- Initial assessment with no obligation
- German / Turkish / English
- We only reply through the channel you choose