- WirtschaftsWoche took a closer look at the offers from leading accident insurance companies.
- The price-performance winners were determined for two model customers each.
- In both examples, one provider convinces with a low price and the best performance.
Whether in the household or with an exciting hobby: there is always a risk of an accident. The mishap often happens when you least need it.
A private accident insurance jumps in the event of unforeseen expenses due to Accidents in leisure time, at home or during sports one. In the event of damage to health, she pays an agreed sum if this remains permanent. It does not replace occupational disability insurance, but it can complement it optimally. People who do not receive cover for occupational disability due to previous illnesses also have the chance of one financial supportif they can no longer work due to an accident. Private accident insurance can also be worthwhile for the self-employed, housewives and housewives as well as employed people with a high risk of accidents.
In its September issue, the WirtschaftsWoche magazine presents a ranking of private accident insurance companies with the best price-performance ratio.
This is how the experts evaluated
The analysis was carried out in cooperation with the analysis company Morgen & Morgen. The price-performance comparison is intended to show those interested which points are important when choosing a service and what costs they should expect.
The team of experts put together two sample customers for the investigation:
- One self-employed software developerwho opted for a sum insured of 100,000 euros and a monthly accident pension of 1,500 euros.
- A young mother and Housewife, to which an initial sum of 50,000 euros, a monthly accident pension of 1,000 euros and daily hospital allowance was assigned.
For both examples there is also a Progression performance of 500 percent agreed. In the event of serious accidents, the insurance would pay more money accordingly.
For the comparison, the testers only used the tariffs that Morgen & Morgen had already given the best rating. For the ranking that was Price-performance ratio decisive.
For self-employed: Top 5 accident insurances
In the example with the self-employed insured received a total of eight insurance companies rated “very good”. In the opinion of the experts, Basler offers the best mix of costs and performance with the “Gold” tariff. However, the insured person receives the cheapest price from InterRisk in the “Accident XXL” tariff at 230.00 euros per year. The most expensive is the ARAG with 734 euros annually in the “Premium” tariff.
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