3.9.2024 – According to a study by Franke and Bornberg, Adam Riese offers the cheapest accident insurance for a 40-year-old office worker. The tariff was previously rated as “excellent” by the consulting firm.
The editorial staff of the magazine Focus Money Insurance professional has in cooperation with the Franke and Bornberg GmbH Accident insurance was examined in detail. The results are published in the freely accessible online article “Private accident insurance: The best rates in check” published.
The consulting firm’s current rating for this product group (VersicherungsJournal 11.7.2024) was used for the comparison. The field of participants only includes tariffs with the ratings FFF (“excellent”), FF+ (“very good”) and FF (“good”).
Contracts with health issues
Most of the providers in the test allow the policy to be continued until the end of life. Seven of the 32 players named in the report do not specify an upper age for taking out the policy. The level of participation varies between 40 percent and 100 percent depending on the provider.
In addition to a table with the rankings according to annual premium, divided into the three groups of “excellent”, “very good” and “good” tariffs, the report contains an overview with further details on the services of the award-winning products. Only one tariff per company was included in the evaluation. For all offers, health questions must be answered in advance.
Annual premiums under 200 euros
A 40-year-old office worker was defined as an example customer. She chooses a basic sum of 200,000 euros, a death benefit of 10,000 euros, no accident pension and no daily hospital allowance. The progression is to be 225 percent, five providers in the study offer significantly more.
“Private accident insurance does not have to be expensive,” says the report. The sample customer can choose between eight products that charge an annual premium of less than 200 euros.
Adam Riese launches the most affordable product
The top three in the group of “excellent” tariffs are:
The “very good” offers made it to the winners’ podium:
The three cheapest accident insurance policies from the group of “good” products offer:
