Your capital insurance in the event of an accident. One moment of carelessness can change your life from one day to the next. Whether it’s a bad fall, a sports accident or a road accident, PREVEA Accident ensures you and your family are covered if the worst should happen.
Protect yourself and your family from the financial consequences of a serious accident. Children, young people in education and students are particularly exposed to financial risk because the benefits under disability insurance (DI) do not adequately cover the consequences. PREVEA Accident covers these with generous lump-sum benefits. These might include modifications at home or family support.
We reimburse you for the following services under PREVEA Accident capital insurance:
The following are excluded from the insurance: suicide or self-inflicted injury or illness caused intentionally by the insured person or while in a state of intentional total or partial incapacity.
Accidents resulting in disability or death often give rise to high uncovered costs – e.g. for professional integration measures, modifications to your house or apartment or ensuring family or household support.
We recommend capital insurance for people with no or insufficient cover from an occupational pension (pension fund). This applies in particular to:
Children and young people
Students earn little while training or studying for a degree. As such, they receive only a minimal pension under the first pillar (disability insurance) and, at best, the second pillar (pension fund) if they become disabled – and that up until they retire.
Unemployed individuals or part-time workers
They receive minimal protection from social insurance.
Self-employed individuals and employees
They can cover existing insurance gaps with a capital insurance policy.
You decide how to spend the money paid out:
You will be paid out more than you are insured for according to your level of disability. For instance, where the disability level is 100%, the selected insured sum is more than tripled. You will find a table showing how compensation (lump-sum disability benefit) is calculated according to the progression in the General Insurance Conditions (GIC) under Section 13.
You can take out this insurance if you meet the following criteria:
This policy has no minimum term. You can cancel it at any time effective as of the end of a month, subject to a three-month notice period. If the premium is adjusted, a shortened notice period of one month applies.
You can find out more detailed information about cancellation here.
The “waiting period” is the time between the date of the accident and the date on which you are able to claim benefits. This policy does not have a waiting period.
The following supplementary insurance policies may also interest you:
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