Is there an insurance against possible vaccination damage caused by a corona vaccination? Yes there is. The health insurance is not responsible for this, but the accident insurance.
Because a vaccination is an accident in the language of insurance if the vaccinated person suffers permanent health impairments from the vaccine.
If you want to have a Covid 19 vaccination in the near future and you have concerns about whether side effects might occur, then accident insurance can offer important financial protection.
Do you already have accident insurance?
Then we advise you first of all to look at the insurance conditions in your contract. Make sure that there is an “open list of diseases”. This means that the insurer basically pays for all medically necessary vaccinations and is not limited to vaccinations for certain diseases. If only certain vaccinations are listed, you therefore have no insurance cover for corona vaccinations. Then we recommend either expanding this tariff, which is called vaccine damage insurance, or changing the insurer. In this case, it is advisable to find an insurance broker for suitable accident insurance. Accident insurance is available from around 20 euros a month.
Don’t you have accident insurance yet?
In this case, you should take out accident insurance before vaccination. Please note that you have to answer health questions when you take out accident insurance. A medical examination is not necessary. This means you can get insurance coverage in no time. Hire an insurance broker who will provide you with comprehensive accident protection and quick coverage.
Which vaccine damage does accident insurance replace and how is it paid?
The insurance damage occurs if you suffer from a health impairment that exceeds the usual extent as a result of the vaccination. This means permanent damage in the form of allergies, joint problems, organ problems, nerve and joint inflammation, hair loss and others. A temporary rash is not a health impairment that would trigger an insured event. The accident insurance pays a one-off payment as well as an accident pension, depending on the individual case and depending on the accident insurance tariff concluded.
The team at Versicherungsmakler München will be happy to answer any further questions you may have. We are also available to advise you on the subject of accident insurance and vaccinations over the Christmas holidays.
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