Accident Insurance and Insurance News-Alternative to Disability Insurance

Accident insurance is an option for those who receive no disability insurance. But the policy has its drawbacks and is not worth your while. Here we explain why - and why you should not conclude on the web.

For the protection of accident and disability risks, the state has largely withdrawn. The offers of the insurers have therefore become for most people a must. The problem: Many do not. Only those who are born before 1961, still gets about a statutory accident benefit. Younger people received from the state, only the so-called disability pension if they are less than three hours per day of an activity - can carry out - regardless of qualifications.

The size of the payment depends on the contributions made so far from the statutory pension insurance. In none of the cases the government supply is high enough to live. Accident insurance can help to mitigate the worst financial consequences. Disability insurance is usually a casualty insurance that is preferred. It pays for illness and accidents. 90 percent of all disability cases are caused by a disease. Car insurance is very important especially during accidents. Try to read more insurance news to know more.

If your medical history doesn’t have anydisability insurance that can complete their due, then you should instead opt for an accident insurance. If you are planning on family accident insurance to protect you in case of death, it is better to rely on a term life insurance because they died of disease and a fatal accident is charged with. Basically it is to mitigate the financial consequences of an accident. Also, the death benefit is insured and you usually get to buy a specific sum insured paid, calculated on the basis of the degree of disability after an accident.

For the loss of an arm it pays the insurance industry for example, 70 percent of the agreed sum insured, at a hand, it is 55 percent. The insurance will not pay if an accident has happened due to the influence of alcohol. Dangerous sports (skydiving, paragliding and so on) must be secured separately. If you get hurt or sick because of your medical history, no disability insurance is paid, you should use it for accident insurance. Especially for children, students and trainees who need to live their lives with a disability, a private accident insurance is recommended. Latest updates must be known from insurance news. Make sure that you have car insurance while traveling.

The same is true for housewives and men as well as for professionals and entrepreneurs who have no legal or professional security. The cost of accident insurance will depend on the job and the amount of the sum insured selected. Basically, you should arrange the greatest possible amount (€ 200,000) because the payment depends on percentage of that total. Example: With the loss of an eye, the insurer pays 50 percent of 200,000 Euros, or 100,000 Euros. Increase the total to 300,000, you would get 150,000 Euros.

It can also be arranged that a so-called progression of more than 100 percent. This is obtained in the case of partial disability, in absolute terms, more money. Consistently, in addition to a progression of 100 and 225 or 350 percent. Generally, it applies to casualty insurance in mind that disability often occurs as a consequence of disease. In these cases, it does not pay an accident insurance.

Stay away from accident insurance policies with a premium refund. They promise to return at end of contract money without accident. The interest is extremely thin. Therefore, rather just as cheap insurance and invest the saved money elsewhere. For accident insurance, you must expect an annual contribution of at least 90 € at low risk of occupational hazards and a contribution of at least 150 € at high occupational risk.

Accident insurance, as disability insurance policies very complicated - with plenty of pitfalls in detail. There are many companies that offer lousy conditions, but also that with fair conditions. A premature termination (such as Internet) without prior personal advice is, at least for less-savvy consumers, not advisable. Comparatively trusted advice to offer experienced brokers or judicially approved insurance consultant.