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No matter how careful you are, an accident can affect anyone. With accident insurance, you will be compensated if you are injured due to an unexpected event and need medical help. Accident insurance is grateful that the costs associated with an unforeseen bodily injury can rise very quickly.
Events covered by accident insurance
For your accident insurance to progress and be entitled to compensation from the insurance company, the damage must be sudden and unexpected. Typically, the insurance terms and conditions you find on each insurance company's website will explain what types of claims are covered and not covered. As a policyholder, you must be able to prove when the damage occurred, for example by sending receipts from the emergency department. You cannot get compensation for an accident that happened before you took out insurance, although it continues to this day after the accident.
Before getting insurance, you should compare accident insurance to find the one that offers the broadest protection. Therefore, it is not always possible to determine the number of claims and events covered, but it is common to include the following events usually as certified claims in insurance terms and conditions:
- The tick bites you and you get Borrelia or TBE
- You stay in the sun and the sun beats
- Get up obliquely and twist your foot or bend your knee at the joint
- You are having a heart attack and have no underlying disease
- You have a brain hemorrhage and do not have an underlying disease
- You fall and break a bone in your body
- You lose your hearing suddenly and without explanation
- These are just a few of the activities that can be covered. Check with your insurance companies to find out what types of damages are covered by accident insurance.
- Usually, injuries are not accidental
To illustrate how accident insurance works, it may be easier to understand what type of damage insurance is not usually covered by accident insurance. For example, you will not receive compensation for unilateral movements or physical injury due to wear and tear. If the first accident was not an accident, you will not receive compensation for your injury after rehabilitation or medical treatment. If the doctor you see can indicate that the injury was not caused by an accident but by an underlying disease, you will not receive any compensation.