Compare accident insurance

Progression describes how the benefit rises at higher degrees of disability. Just as important are the basic sum insured, the specific progression scale and how the disability is assessed. So compare the benefits at several degrees of disability rather than just the highest advertised figure.

The disability schedule (Gliedertaxe) sets fixed degrees of disability for certain permanent impairments of body parts or sensory organs. Different schedules can lead to different benefits even with the same sum insured. The respective policy terms are what count.

Do not compare the premium alone; compare how the basic sum insured and progression work together, the disability schedule and the rules on contributing illnesses. Also check the deadlines for confirming the disability. A price comparison is only meaningful once the benefit profiles are similar.

Typically your age, occupation or activity, the basic sum insured and progression you want, and details of hobbies and pre-existing conditions. You must answer risk questions fully and truthfully, otherwise your cover may be at risk later. If you are unsure, check the policy terms or get professional advice.