Capital after disability
The base sum and progression determine the potential benefit.
Personal insurancePrivate clients and families
An accident can change the course of your life. Its financial impact can be planned for.
Private accident insurance can help fund the lasting financial effects of an accident. Cover can apply around the clock, at work and during leisure time.
No obligationAvailable across GermanyGerman / Turkish / English
Problem · Benefit · Decision
What this cover can solve for you.
A clear disability benefit instead of optional extras you do not need
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.
Getting specific
What we will clarify together.
A sound decision starts with the right facts, not a blanket price promise.
- 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
Important: 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