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Combining sickness and accident insurance
Accident insurance means financial security if you suddenly encounter something, but it does not provide compensation if you suffer from an illness that is not considered an accident. For this reason, many people choose to combine accident insurance with health insurance. If you have joint insurance, you are also entitled to financial compensation if you stay on sick leave for a longer period and thus lose income. You can also receive a lump sum if you are diagnosed with certain illnesses and are reimbursed for the costs of care.
Accident insurance and adult health insurance are usually adapted. If you have children that you want to be insured, there are child insurances instead. It is usually present until the child reaches adulthood or until the age of 25
Accident insurance through unions, jobs, or associations
Some companies, clubs, or sports federations protect their members and employees from accidents. If you know you have accident insurance through an association or company, you need to check if this not only applies to your spare time but also when you are involved in an activity or business. If your accident insurance does not cover what you do in your spare time, then you will not be protected in the event something happens in your daily life. Remember, too, that your protection will be lost if you lose your job, change gym, or leave the union.
Usually, students are insured by their university while at school. This type of accident insurance also covers travel to and from school but is not valid for students' free time. As a student, you need to make sure you have insurance that covers the costs of injuries that occur outside of the school world.
The price of accident insurance
When purchasing accident insurance, you usually need to choose the maximum compensation amount that can be paid. The higher the maximum compensation amount you choose, the higher the premium you will pay. If you combine health and accident insurance, you also usually need to fill out a health statement. If you suffer from certain illnesses or have suffered before, your insurance premium may be increased or your insurance may be denied. No matter what type of insurance you want, be sure to not only compare rates but also the content of insurance coverage.
Claim compensation from the insurance company
In order to obtain compensation from your accident insurance, you must first report the damage to the insurance company. If you have more than one accident insurance, you must notify all companies individually. You can report injuries and accidents within ten years after the occurrence. However, this only applies to injuries that occurred after January 1, 2015. For previous injuries, the injury must be reported within three years from the date of the accident.
If you have more than one accident insurance, you can get compensation from multiple insurance companies if you have double coverage. Remember, for example, that your Medicare expenses can only be compensated one time. On the other hand, if you are maimed injured, or medically disabled, you can receive compensation from many insurance companies.
In the event of a financial or medical disability, insurance companies may make various assessments of the extent to which your capabilities are impaired. If one insurance company gives a lower rating than the other and provides less compensation, you can contact them to see if they can change their decision so that you can get higher compensation. If you want to evaluate how much compensation you can receive for a specific disability, you can contact the Traffic Injury Commission for various injury plans. It is still up to the insurance company to assess the extent of your disability and how much compensation you should be.
Frequently asked questions about accident insurance
I have home insurance, does it include accident insurance?
No. Although you have home insurance, you must take out separate accident insurance.
Can I get accident insurance for my pet?
Yes, you can purchase accident insurance for your pet at some insurance companies. This is separate insurance and does not have the same conditions as personal accident insurance.
Where do I go if I'm not satisfied with the insurance company's rating?
If for some reason you are not satisfied with the insurance company's evaluation and compensation, you can start by contacting your manager to appeal the decision. You can do this by requesting a reconsideration. If your insurance company attempts your case again but you are still not satisfied, you can contact the Public Complaints Board, the Traffic Injury Board, the Personal Insurance Board, or the Personal Injury Board for Liability Insurance.