Base sum & progression
The disability sum provides the basis; progression increases agreed benefits at higher disability levels.
Learn more →Personal accident insurance
When an accident has lasting consequences, the right cover matters.
A sound accident policy is about more than premium. Key factors include the disability sum, progression scale, benefit schedule, contractual deadlines and suitable benefits for rescue, rehabilitation, family and leisure risks.
＋
The sum alone is not enough.The benefit schedule, progression and policy wording determine what the contract actually pays.
What matters
Build accident cover from the right components.
The relevant components depend on occupation, family, leisure activities, sport and the financial protection required.
Benefit schedule
The benefit schedule assigns percentages to loss or functional impairment of specified body parts.
Learn more →Accident pension
An agreed accident pension can provide ongoing financial support when the required disability threshold is met.
Learn more →Rescue & recovery
Search, rescue, repatriation and helicopter costs should be considered at an appropriate level.
Learn more →Children & family
For children, long-term support, care and adaptations after permanent impairment can be especially important.
Learn more →Sport & hobbies
Risk sports and special hobbies must be checked against exclusions and individual agreements.
Learn more →Deadlines & documentation
Early notification, complete medical records and contractual deadlines are especially important for permanent consequences.
Learn more →Policy quality
Four points deserve particular attention.
Base sum
A low base sum cannot always be compensated for by a high progression scale.
Progression
The actual scale determines how strongly benefits rise at higher disability levels.
Benefit schedule
Percentages for body parts and sensory organs can differ significantly between policy wordings.
Exclusions & deadlines
Sport, pre-existing conditions, contribution rules and notification or assessment deadlines must fit the personal risk.
Claims practice
Claims & deadlinesPermanent consequences develop – deadlines still run.
After an accident, the event, first treatment and subsequent medical development should be documented carefully. The applicable deadlines come from the individual policy wording.
Document the accident
Record time, place, sequence, witnesses and first treatment as completely as possible.
Keep medical records
Permanent consequences need medical documentation and assessment at the relevant time.
Check disability assessment
Compare benefit schedule, overall function, prior disability, contribution and policy wording.
Supreme Court cases
All accident casesDeadlines and permanent disability are recurring dispute points.
The selected cases come from the already verified accident-insurance case material used in our private-insurance portal.
15-month deadline for permanent disability
Where such a deadline is agreed, possible permanent disability must be claimed and medically supported in time.
When is disability permanent?
The assessment focuses on lifelong impairment or a sufficiently supported medical prognosis of lifelong impairment.
FAQ
All questionsKey questions before taking out cover.
Does accident insurance pay for every injury?
No. The event must meet the contractual accident definition and trigger an agreed benefit.
Why is the benefit schedule important?
It influences the percentage used for loss or functional impairment of specified body parts.
What about leisure accidents?
Personal accident policies are typically designed for round-the-clock accident cover, subject to the actual terms and exclusions.
Personal advice
Match accident cover to your life and hobbies.
We compare more than premium, focusing on the base sum, progression, benefit schedule, exclusions and claims practice.
Directions
Personal advice in Euratsfeld.
Our office is at Saliterweg 8, 3324 Euratsfeld. The interactive Google map is loaded only after your explicit consent.
SICHER mit HELMSaliterweg 8, 3324 Euratsfeld, Austria
Telephone+43 7474 23456
