Apollo Glasses Insurance: What to do if your glasses are lost and how to be optimally insured
26 Mar 2025
Katrin Straub
Managing Director at nextsure
The shock runs deep: The expensive glasses are gone. Find out how the Apollo glasses insurance applies in the event of loss and what steps you should take now to quickly regain clear vision and minimise costs.
The topic in brief and concise terms
The Apollo eyewear insurance covers loss with a fifty percent deductible for 24 months; the premium is tiered based on the value of the glasses.
Home contents insurance typically does not cover simple loss of glasses outside the home; consider alternatives such as special glasses insurance or supplementary insurance.
Report a loss of glasses immediately to your insurance company and the lost property office; carefully retain purchase receipts and policies.
Immediate Measures for Lost Glasses: A Clear Head in Three Steps
The loss of glasses is annoying and can greatly affect everyday life. Initially, it is important to remain calm. Carefully consider where you last consciously noticed your glasses. Sometimes they reappear in an unexpected place, perhaps after just a day of searching.
If the glasses remain unfindable, these are the first important steps:
Immediately contact your city or municipal lost and found office. Many now offer an online search option, which speeds up the process.
Create search notices in local online groups or on notice boards. A small reward can increase the motivation of the finder.
Inform your glasses insurance, if available, about the loss. Clarify the next steps and deadlines for a damage report; often, it is only a few days.
These initial measures increase the chance of finding your glasses again or at least set the stage for a replacement. In the next step, we look at the specific benefits of the Apollo glasses insurance.
Analyse the scope of coverage provided by Apollo glasses insurance in case of loss
The Apollo glasses insurance offers coverage if your glasses purchased from Apollo are lost. It is important to know that in case of loss, a deductible of fifty percent of the original purchase price applies. This insurance typically has a duration of 24 months and can be taken out directly when purchasing the glasses at one of the approximately 900 Apollo branches.
The premium for this coverage is based on the value of your glasses. For example, insurance for glasses up to one hundred euros costs a one-time fee of ten euros. For more expensive models, such as those over nine hundred euros, the premium can be up to one hundred euros. In the event of a loss and claiming the insurance benefit, the contract terminates early. If you do not need the insurance during the term, Apollo refunds the premium in the form of a voucher. This service is a clear advantage for many customers. Keep in mind that this insurance is purely property insurance and differs from a private supplementary insurance. Next, we will discuss the exact damage reporting and claims processing.
Claim report at Apollo: Getting a replacement pair of glasses in four steps
If you have lost your glasses and are insured through Apollo, a quick and correct damage report is crucial. Report the loss immediately at your Apollo branch. They will guide you through the process. Handling is generally straightforward and aims to provide you with a replacement as quickly as possible. For smooth processing, ideally have your insurance documents and the purchase receipt of the glasses ready.
This is typically how you proceed:
Visit your Apollo branch, ideally the one where you bought the glasses and insurance.
Explain the loss situation to the staff. They will record your damage report.
After checking the claim and considering the fifty percent deductible, you can choose a new, equivalent pair of glasses.
The new glasses will then be made for you. The insurance coverage for the original glasses ends with this service.
Quick response from Apollo helps minimize the inconvenience of losing your glasses. But what if there is no specific glasses insurance?
Check alternative coverages and household insurance
Not every glasses wearer has a special glasses insurance like the one from Apollo. Home insurance generally does not cover simple loss outside of your own four walls. It usually only compensates for damage caused by defined hazards such as fire or burglary in the home. A simple loss while out and about is often not covered, which many people only realise when a claim arises.
However, there are private supplementary health insurances that include subsidies for visual aids. These often pay a fixed amount every two years, for example, three hundred or four hundred euros, for new glasses or contact lenses. A direct replacement in the event of loss is not always the primary purpose here. Some optician chains also offer insurance that covers loss, such as eyes + more with a deductible of thirty percent in the event of loss. It is worth comparing the conditions carefully before taking out a visual aid insurance. Now for the expert tips for optimal protection.
Conclusion and Outlook: The Right Care for Your Visual Aid
Losing a pair of glasses is always unpleasant, but with the right preparation and knowledge of your insurance options, the consequences can be mitigated. The Apollo glasses insurance offers partial replacement in the event of loss with a fifty percent deductible within the first two years. This can be a valuable aid, especially for higher-priced models. It is important to know the exact conditions and the amount of the premium, which depends on the price of the glasses (e.g., ten euros for glasses up to one hundred euros).
Alternatives like private supplementary insurance or offers from other opticians should also be considered, as the conditions can vary greatly. Home insurance usually does not offer protection against simple loss outside of the home. Also, think about preventive measures and good organization of your documents. Here at nextsure, we are happy to provide you with comprehensive advice on your individual insurance options. Request your individual risk analysis now: Have your insurance situation checked free of charge and receive specific optimization suggestions.
More useful links
Wikipedia offers a comprehensive overview of eyewear insurance in Germany.
Test.de (Stiftung Warentest) provides an article on eyewear insurance to help consumers make decisions.
Statista provides statistical data on the proportion of adults in Germany who wear glasses or contact lenses.
The Zentralverband der Augenoptiker und Optometristen (ZVA) provides an industry report on the German optics sector.
The Federal Ministry of Health provides information on aids, which in certain cases can include visual aids.
The Gemeinsame Bundesausschuss (G-BA) publishes resolutions on aids, which can also include regulations regarding the provision of visual aids.
Sehen.de presents a press release on the Allensbach eyewear study 2024-25 with facts and figures about eyewear usage.
The Gesamtverband der Deutschen Versicherungswirtschaft (GDV) provides general information about the insurance industry that may also be relevant for eyewear insurances.
The Federal Statistical Office (Destatis) provides data on healthcare expenditures in Germany.
FAQ
Wie hoch ist die Selbstbeteiligung bei der Apollo Brillenversicherung, wenn ich meine Brille verliere?
Wenn Sie Ihre Brille verlieren, beträgt die Selbstbeteiligung bei der Apollo Brillenversicherung fünfzig Prozent des ursprünglichen Kaufpreises der Brille.
Kann ich jede Brille bei Apollo versichern?
Nein, die Apollo Brillenversicherung kann nur für Brillen abgeschlossen werden, die direkt bei Apollo Optik gekauft wurden.
Was passiert, wenn ich meine Apollo Brillenversicherung während der Laufzeit nicht in Anspruch nehme?
Sollten Sie Ihre Apollo Brillenversicherung während der Laufzeit von bis zu 24 Monaten nicht in Anspruch nehmen, erstattet Ihnen Apollo die gezahlte Prämie in Form eines persönlichen Gutscheins.
Deckt die Apollo Brillenversicherung auch Diebstahl ab?
Ja, die Apollo Brillenversicherung deckt auch Diebstahl ab. Die Konditionen, wie die fünfzig Prozent Selbstbeteiligung, entsprechen denen bei Verlust.
Wo kann ich die Apollo Brillenversicherung abschließen?
Die Brillenversicherung können Sie in jeder der rund 900 Apollo-Filialen in Deutschland abschließen, entweder direkt beim Kauf Ihrer Brille oder spätestens am Tag der Abholung.
Gibt es Alternativen zur Apollo Brillenversicherung?
Ja, es gibt Alternativen. Andere Optikerketten bieten eigene Versicherungen an (z.B. eyes + more ). Zudem gibt es private Krankenzusatzversicherungen, die Leistungen für Sehhilfen beinhalten können, aber oft nicht speziell Verlust abdecken.
