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意外事故险 - 德国理财网

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意外事故险

Unfallversicherung也是非常重要的一个保险。意外险包括住院期间额外的补贴,事后的整容,理疗,赔偿,还有家里需要安装给残疾人专用的部件等。如果unfall造成一定的伤残度,还能每个月领取rente。对于小孩子,还有经常出差的人尤其重要。

意外险赔偿的项目 和伤残程度有关,伤残度越高,赔偿额越大,但往往不是线性增加而是曲线增加的,Progression越高,伤残程度高的时候得到的赔保额越大。购买的时候会各个不同的合同有不同Progression,假设保额10万欧,如果Progression你选择500%的话,全残的时侯能拿到50万欧, 多填的话保费也贵。

》》》点击这里免费比较《《《

1.为何我要给自己或孩子买私人意外险?

由于法定意外险的范围只适用于工作意外以及工作途中意外,而不存在在玩耍,马路上或者家庭中的保护。虽然医疗保险支付关于身体康复的治疗费用,但是不包括每一种长期损害。在特别严重的情况下,人们需要事故后的长期帮助。我们的服务覆盖事故抚恤金并承担持续的费用。Asstel私人意外保险提供了在各种情况下适当的事故保障。

2. 私人意外险对哪些群体有意义?

70%左右的事故都发生在家里和业余时间。这些都是法定意外保险的范围之外。因此,雇员也应该买私人意外保险,因为法定赔付永远都存在缺口Versorgungslucke。私人事故保护尤其是针对家庭主妇,儿童,学生,退休或失业者非常重要,因为这些人只享受限制的法定意外险或根本没有。

3. 在我的业余时间以及运动时,一份私人意外险就足够吗?

根据您的私人意外险,所有范围内的正常的体育活动是完全担保的。不包括的是作为飞行员的风险以及赛车的风险。

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