If an accident does not happen at the workplace or on the way to work, you will usually be left empty-handed. This is because the statutory health insurance covers the costs of acute treatment, but not additional costs caused by the accident, such as loss of earnings, expenses for medical aids, necessary alterations or pension benefits as a result of permanent disability.

Private provision is a must in order to protect yourself in case of an emergency. Especially if you work part-time, without own acquisition or are retired or would like to insure your children against accident risks, a private accident insurance becomes a decisive investment in your safety.