An accident is a sudden, external, and involuntary event affecting the body.

In practice, this definition is expanded by several additional elements. For example, increased physical exertion affecting limbs or the spine that causes a joint dislocation or strains/tears muscles, tendons, ligaments, or joint capsules is also considered an accident. The same applies to injuries caused by one’s own movement.

Every year, German accident insurers pay out more than €3.3 billion for insured accident claims. Depending on the severity of the accident, policyholders may receive several hundred thousand euros in compensation.

Accident protection and benefits after an accident are based on the following factors:

• Sum insured (individually selectable)

• Progression (225%, 350%, or 500%)

• Disability scale (Gliedertaxe)

Accident insurance assigns a specific percentage value to each part of the body.

If a body part becomes permanently impaired after an accident, the insurer pays the corresponding percentage of the insured sum.

Example:
Within the PHÖNIX Premium plan, a hand is assigned a value of 90%.

• If the hand becomes completely and permanently unusable after an accident, the customer receives 90% of the chosen sum insured.

• If the hand’s functionality is impaired by 50%, the customer receives 45% of the sum insured.

The final payout (disability benefit) may increase further through the agreed progression.

If the impairment of bodily function exceeds 25% due to an accident, the so-called progression applies.

This means that the benefit increases disproportionately with each additional percentage point of disability.

Example:

• With a 225% progression and 100% disability, the payout equals 225% of the insured sum.

• With a 350% progression, the payout equals 350% of the insured sum.

The exact progression scale can be found in the policy conditions.

Statutory accident insurance only covers accidents that occur during working hours or on the way to and from work.

However, most accidents occur during leisure time, such as:

• sports

• household activities

• vacations

Yes. Private accident insurance also covers accidents at work and on the way to work.

Disability insurance is designed to maintain your income level if you become unable to work. It pays a monthly pension and also covers disability caused by illness.

Accident insurance, on the other hand, provides a lump-sum payment and starts paying from the first degree of disability. This payment can cover additional expenses resulting from the accident.

Therefore, accident insurance cannot replace disability insurance, but it complements it very well.

In addition to the disability benefit, the following benefits can be insured:

• Accidental death benefit for surviving dependents

• Daily hospital allowance in case of accident-related hospitalization

• Monthly accident pension if at least 50% disability is determined

Depending on the selected plan, only a few final health questions may be asked.

In the Exclusive plan without health questions, these questions are completely waived.

The benefits of our accident insurance apply worldwide and 24 hours a day.

You can easily contact us via the accident claim form on our website or by phone.

It is important that you report the accident immediately and describe what happened.

The accident insurance policy can be cancelled without notice for the next main due date.

Cancellation can be submitted informally in text form.

⚠️ Important: Please make sure that your client is properly insured before terminating an existing policy.

An existing accident insurance policy with another provider can usually be cancelled at the next main renewal date.