Financial Security After Accidents
The adult accident insurance from nextsure provides you with comprehensive protection against the financial consequences of accidents – worldwide and around the clock. Tailored protection for your individual needs.
Immediate payment in case of disability
Worldwide protection 24/7
Individual Tariff Options
Why is accident insurance essential for adults?
Covers gaps in the statutory health insurance
Securing Financial Independence
Protection from existential risks
Maintain standard of living
An overview of the key benefits of adult accident insurance
A comprehensive adult accident insurance offers more than just a one-time capital payment. It is a modular shield against the various financial burdens that an accident can entail. Among the core benefits is the **disability benefit**, a capital payment whose amount depends on the insured base amount and the medically determined degree of disability. This sum serves to compensate for long-term income losses, finance necessary modifications to the house or car, or enable special therapies. Moreover, there is often an **accident pension** included, which is paid monthly from a certain degree of disability and thus ensures lasting financial support. Many tariffs also include a **hospital daily allowance** and a **recovery allowance** to cushion the additional costs during a hospital stay and the subsequent rehabilitation phase. **Rescue costs** and **cosmetic operations** after an accident can also be covered, which becomes especially relevant in the case of serious accidents. At nextsure, we place importance on ensuring that you can tailor the benefits of your adult accident insurance to your life situation to guarantee optimal protection. When comparing offers, pay attention to the details of the scheduled scale of impairments and potential exclusions to ensure that the insurance coverage meets your expectations.
OUR SERVICE FOR YOU
Tailored protection for adults
Instant Protection
Quick assistance and financial security in case of an emergency.
Disability
Capital benefit in case of permanent impairment.
Accident Pension
Monthly payment in the event of severe disability.
Valid worldwide
Travel and overseas insurance cover.
Flex Rates
Customise your protection individually.
Salvage costs
Coverage of search, rescue, and recovery costs.
Online Degree
Conveniently and digitally complete your insurance.
Excellent advice
Expert support from our specialists.
Dynamic Option
Preserve the value of your insurance sum.
Individual solutions, digital and straightforward at nextsure.
Living carefree?
Calculate accident insurance now!
Sum insured for disability and impairment rating: The heart of your coverage
The **disability sum** is the crucial factor for the amount of capital benefit in the event of a permanent disability caused by an accident. It should be chosen to compensate for potential income losses and finance necessary adjustments in the living environment. Experts often recommend using three to five times the gross annual income as a guideline. Closely linked to this is the **limb rating table**. This table specifies the percentage of the insured sum paid out in the event of loss or dysfunction of certain body parts or sensory organs. Limb rating tables can vary significantly between insurers. An improved limb rating table, such as the one often offered by nextsure, might provide, for example, 25% instead of the usual 20% of the disability sum for the loss of a thumb. This means a significantly higher payout in the event of a claim. It is essential to examine the limb rating table closely and compare tariffs, as the devil is in the detail here. A higher progression – an above-average increase in benefits for higher degrees of disability (e.g., 225%, 350%, or 500% of the basic sum) – can also be sensible to ensure adequate financial provision in the case of severe impairments.
Accident insurance for adults: When does it cover and when does it not?
An accident insurance for adults provides benefits, by definition, when an **accident** leads to a permanent physical or mental impairment (disability) or death. An accident is a sudden external event impacting the body that involuntarily causes harm to health. This includes typical everyday situations such as falls, sports injuries, or traffic accidents. Poisoning from gases or vapours, as well as drowning, can also be considered accidents. It is important that the accident is the cause of the health impairment. **Not insured** are damages usually resulting from illnesses or degenerative processes, even if they occur suddenly (e.g. heart attack or stroke without external impact). Exceptions may apply if the accident was caused by a loss of consciousness due to such an event. Other typical exclusions include accidents resulting from intoxication (usually beyond a specific blood alcohol limit), drug consumption, intentional self-harm, involvement in criminal activities or acts of war. Accidents during the practice of certain extreme sports may also be excluded or require an additional risk premium. Review the insurance terms and conditions (AVB) of your adult accident insurance carefully to understand the coverage and exclusions.
Choosing the Right Sum Insured: How to Avoid Underinsurance
Choosing the right **sum insured** in adult accident insurance is crucial to ensure optimal coverage in the event of an incident and to avoid underinsurance. Setting the sum too low can result in the capital benefit being insufficient to cover the long-term financial consequences of an accident, such as loss of income or costs for modifications and care. As a rule of thumb, experts often recommend setting the **basic disability sum** at three to five times the gross annual income. For high earners or individuals with significant financial obligations (e.g., property loans, maintenance obligations), a higher sum may be advisable. Consider future salary developments and inflation compensation in your calculations. A **dynamic clause** in the contract can help to adjust the sum insured and contributions annually, thereby maintaining the value of the coverage. A **progression** (e.g., 225%, 350% or 500%) ensures that in cases of severe disability, the benefit increases disproportionately, providing additional financial leeway. Get advice from nextsure to determine the sum insured that suits your individual life situation and financial goals.
Progression tariffs in accident insurance: More benefits for serious accidents
Progression tariffs are an important component of modern adult accident insurance and offer a critical advantage in the event of serious accident consequences. **Progression** ensures that the insurance benefit increases disproportionately to the agreed basic disability sum at high degrees of disability. While for lower degrees of disability (e.g., up to 25%), the benefit often corresponds linearly to the degree of disability, from a certain threshold, the progressive increase applies. Common progression scales are, for example, 225%, 350%, or 500%. With a basic disability sum of 100,000 euros and a progression of 350%, a sum of 350,000 euros would be paid out in the event of full disability (100% degree of disability). This provides significantly higher financial security in the event of an accident causing serious and long-term restrictions, which involve high costs for care, modifications, or loss of work capacity. The choice of the right progression scale depends on individual risk tolerance and coverage needs. Tariffs with higher progression are usually somewhat more expensive, but in case of emergency, they offer invaluable added value. nextsure helps you find the right progression tariff for your adult accident insurance.
Occupational disability
Secure income
Personal liability insurance
Protection in Everyday Life
Household goods
Protect your home
Differences from Occupational Disability Insurance: Why Both Can Be Important
Although both the adult accident insurance and the occupational disability insurance (ODI) serve to provide financial security in the event of health impairments, they cover different risks and complement each other effectively. The **accident insurance** provides coverage, as the name suggests, solely after an accident – that is, a sudden event caused by external factors. It usually pays a one-time capital benefit (depending on the degree of disability) and, if applicable, an accident pension. The **occupational disability insurance**, on the other hand, provides benefits if you are unable to perform your last occupation due to illness, injury, or depletion of strength for at least six months to a degree of at least 50%. The cause of occupational disability is broader here and includes illnesses (the most common cause of ODI). The ODI pays a monthly pension. A crucial difference: Mental illnesses are a common cause of occupational disability but rarely lead to benefits from a pure accident insurance unless they are a direct result of an accident. Since accidents cover only part of the risks that can lead to occupational disability, ODI is often the more comprehensive protection of earning capacity. However, accident insurance can be a sensible supplement, especially to quickly cover specific accident-related costs (e.g., modifications) or when an ODI is difficult or only expensive to obtain due to pre-existing conditions or occupation group. Often, the ideal solution is the combination of both insurances.
Accident insurance for specific professional groups and risk sports
The terms of an adult accident insurance policy can vary depending on the **profession** and **risky sports** engaged in. Insurers often categorize professions into risk groups. Individuals in physically demanding or dangerous jobs (e.g., roofers, scaffolders, firefighters) statistically have a higher accident risk and therefore tend to pay higher premiums or need to accept exclusions for job-specific accidents. In contrast, office workers are usually classified in the lowest risk group. It is important to correctly and fully disclose your occupation when applying. The same applies to hobbies: Engaging in certain **risky sports** like skydiving, motorsport, deep diving, or free climbing can result in premium surcharges or even the exclusion of insurance cover for accidents occurring during these activities. Many standard policies cover common sports such as football, skiing, or cycling without any problems. If you regularly participate in risky sports, you should definitely inform the insurer and check whether these are covered or if a special policy or additional agreement is necessary. nextsure provides transparent advice on the rules applicable to your professional activities and leisure pursuits, and how you can find the right protection in adult accident insurance.
Digital Accident Insurance at nextsure: Benefits and Conclusion
nextsure revolutionises your adult accident insurance policy completion as a digital insurance portal. The biggest advantage lies in the **complete digitalisation** of the process: From gathering information, comparing rates, to signing contracts and managing later on, everything can be conveniently done online. This saves time and effort. Our platform offers transparent comparison calculators, enabling you to objectively compare services and prices of different plans. Thanks to **SEO-optimised content** and clearly structured information, you will quickly find all relevant details and explanations on technical terms like 'Gliedertaxe' or 'Progression'. For 'Digital Annas' and 'Freelancer Toms' seeking quick and straightforward solutions, our offer is ideal. The **conclusion process is designed to be streamlined and user-friendly**. After selecting the appropriate tariff, you can fill out the application directly online and sign digitally. Required documents can be easily uploaded. If you have any questions, our expert advisory team is available via chat, email, or phone, to support you fully in a digital capacity. Benefit from our expertise in niche insurance and our focus on tailor-made, easily understandable solutions. With nextsure, you secure your individual accident protection simply, quickly, and transparently.
What exactly is an "accident" in terms of insurance?
Taking out adult accident insurance is an important decision. To ensure optimal protection, you should carefully consider the following points: 1. **Appropriate disability sum:** Choose an amount that suffices in case of an emergency (at least 3-5 times your gross annual income). 2. **Good schedule of benefits:** Compare the percentages for loss or incapacity of body parts. Enhanced schedules of benefits offer higher payouts. 3. **Meaningful progression:** A progression (e.g. 225%, 350%, 500%) significantly increases the benefit for severe disability levels. 4. **Extent of covered accidents:** Clarify whether, for example, accidents due to self-motion or heavy physical exertion are also covered. 5. **Exclusions:** Be aware of typical exclusions (e.g. illnesses as a cause of accident, alcohol, drugs, certain risky sports). 6. **Additional benefits:** Check whether benefits like daily hospital allowance, recovery benefit, death benefit, rescue costs or cosmetic surgery are sensible and to what extent they are included. 7. **Scope of cover:** Is the insurance valid worldwide and around the clock? 8. **Reporting periods:** Note the deadlines for reporting an accident and making disability claims. 9. **Stability and dynamics of contributions:** Is there a clause for premium adjustments? Is there a mechanism for maintaining the insurance sum’s value? 10. **Reliability and service of the provider:** Find out about the insurer and their service quality in the event of a claim. At nextsure, you benefit from digital convenience and expert advice.
