Private accident insurance is a supplementary insurance to statutory accident insurance.
Statutory accident insurance only covers the consequences of workplace accidents or accidents involving co-insured children at school. There is no insurance coverage for non-working spouses, preschool children, pensioners, or in the case of leisure accidents.
Approximately 80% of accidents happen at home or during leisure activities. Every year in Austria, around 800,000 people are injured during leisure activities (primarily at home and while playing sports).
Benefits of private accident insurance:
- disability
- Accident costs, e.g. medical aids
- Salvage and repatriation costs
- Accidental death
- Daily allowance
- Hospital daily allowance
- Accident pension
- Cosmetic surgery
Examples:
- They injure themselves while hiking or skiing and have to be rescued by helicopter. The helicopter rescue costs amount to approximately €90 per minute.
- They cut wood in the garden and put their hand into the saw.
- They slip on the ice and suffer permanent damage.
MOTOR VEHICLE INSURANCE
Vehicles of all kinds pose a particular hazard, which is why liability insurance is legally required in Austria. In addition, there are also voluntary supplementary insurance options for motor vehicles.
Liability insurance
Liability insurance covers the costs of damages caused by the vehicle, such as personal injury, property damage and financial loss.
Partial comprehensive insurance
Partial comprehensive insurance covers the costs of damage caused by, for example, theft, broken glass, storm, hail, parking damage, fire, lightning, stone chips, etc.
Comprehensive insurance
Comprehensive car insurance includes the coverage of partial comprehensive insurance. Unlike partial comprehensive insurance, comprehensive insurance also covers accident damage to your own vehicle.
Other areas can also be covered, such as passenger accident insurance, motor vehicle legal protection insurance, transport, classic cars, and much more.
Examples:
Liability
- They rear-end the car in front; the injured party receives compensation.
- Hail damages your car; your partial comprehensive insurance covers the repair costs.
- You rear-end the car in front; your vehicle will be repaired.
PET INSURANCE
Even pets are not immune to illness and accidents; with a tailor-made cover, you can protect your furry friends too.
Examples:
- Your pet accidentally eats rat poison
- Her pet injures itself on a piece of broken glass.
- Your cat is bitten by a dog.
LEGAL EXPENSES INSURANCE
Legal disputes will always arise; in other words, having a legal right doesn't always guarantee a favorable outcome. To protect yourself from such conflicts, it's advisable to seek legal protection tailored to your specific circumstances.
Legal expenses insurance differs in the following areas:
- Private legal protection
- Employment law protection
- Internet legal protection
- Legal expenses insurance for traffic law matters
- Landlord legal protection
- Tenant legal protection
- Legal protection for senior citizens
- Corporate legal protection
- and much more
Examples:
Legal expenses insurance for traffic law matters
You buy a used car, but since it has significant defects, you want to cancel the purchase contract. After successful intervention by your lawyer, your interests are protected and the purchase contract is cancelled.
Employment law protection
You fall ill during your vacation and require hospitalization; your employer refuses to credit you back the vacation days. You hire a lawyer.
Legal advice protection
Get answers to legal questions such as:
• How should one prepare for a divorce?
• Is it possible to withdraw from a purchase contract?
• Is your landlord allowed to increase the rent?
• How must a legally valid will be made?
TREATMENT INSURANCE
As a self-employed entrepreneur, you often have to contend with unforeseen risks. The business has to run, the machines can't be idle, the products have to reach the customer on time, the bills have to be paid, and so on…
Therefore, you should protect yourself against certain Risks
secure:
- Technical insurance
- Machinery breakdown insurance
- Business interruption insurance
- Transport insurance
- Business legal expenses insurance
- Business insurance
- Business liability insurance
- Product liability insurance
- Professional liability insurance
Examples:
Machinery breakdown insurance:
Your production machine comes to a standstill due to an operator error.
Fire:
A fire breaks out in your company due to a defect in a technical device.
Unpredictable Risks
It can happen to anyone.
To prevent costs from leading to insolvency in the event of a business shutdown, it is recommended to take out business interruption insurance.
Business interruption insurance then covers the ongoing costs (fixed costs, salary costs) as well as the lost profit of your business.
CHILD PROVISION
Insurance coverage even for the youngest children.
Parents are deeply concerned about the well-being of their children. Appropriate insurance coverage can protect children's well-being in case of illness or accidents.
Premiums for voluntary health insurance are still quite low for children. Accident insurance is also advisable, as children are only partially covered by statutory accident insurance.
The financial Prevention
For children, it's an important topic, such as saving for education costs, university studies, a driver's license or their first car.
The following products in particular are suitable for the Security
the children:
- Private health insurance
- Accident insurance
- Termfix
- Pension provision
- Wealth accumulation
- Building savings
LIABILITY
Liability insurance serves to fulfill justified claims and to defend against unjustified claims.
The following types of damage can be covered by liability insurance:
Personal injury:
They are riding a bicycle on a cycle/pedestrian path and collide with an oncoming cyclist. The latter falls and breaks his arm.
Property damage:
You're removing the packaging material from a friend's new sofa. Because you press too hard with the knife, you cut into the sofa.
Financial loss:
They light a fire in the garden, and the smoke drifts towards the café across the street. Because of the smoke, the café's patrons leave. The café owner suffers financial losses.
PREVENTIVE HEALTH CARE
Private health insurance offers many advantages and has significantly more comprehensive protection than statutory insurance.
Services of private health insurance:
- Free choice of doctor, selection of your specialist
- Free choice of hospital, private clinic
- Best possible treatment in the private ward
- Get an earlier appointment for surgery
- Receive visitors at any time
- Single room
- Second opinion before the operation
- Medical aids and assistive devices
- Private doctor
- Dental costs
Examples:
- You are having surgery. Would you like to choose a specialist?
- Do you want the best possible treatment in a private clinic?
- They are unsure whether the treatment can be carried out in this way and are seeking a second opinion.
- Do you want your loved ones around you, at all times?
SPECIAL INSURANCE
There's the right insurance for every situation. Tell me your needs and you'll receive a customized offer.
Examples of specialized insurance policies:
- golf
- Music
- electronics
- Machine breakdown
- classic cars
- Wedding
- Diving equipment
- Drones
- Transport
- Travel insurance
- And much more
HOME INSURANCE
Home insurance refers to building insurance, while household insurance refers to the contents of the building.
Insurance coverage serves to cover unforeseen dangers and to protect against financial losses.
Often, large sums of money are tied up in your home.
This insurance covers, for example, the following: Risks
away:
- Storm damage. This includes storms, hail, landslides, rockfalls, rockfalls, but also rain, meltwater and snow pressure.
- Fire/Burning/Explosion
- Glass breakage
- Burglary/Theft/Vandalism
- Personal liability insurance
- Home and property liability insurance
- Builder's liability insurance
- Pet owner's liability insurance
- Leakage of tap water, damage from corrosion, wear and tear
- Natural disasters; these include earthquakes, avalanches, floods/floods and mudslides.
Examples:
Fire
- A cable fire causes the building to catch fire, and your home is severely damaged.
- During a thunderstorm, electronics are damaged by indirect lightning strikes.
Storm
- Part of the roof is torn off by a storm (60km/h).
- Hail damages the thermal insulation of your home.
tap water
- Due to a defective pipe, tap water leaks into the basement; you only notice the leak after several hours, and the basement is flooded.
Glass breakage
- A strong gust of wind slams your glass door shut, breaking the glazing.
FUTURE PROVISION
Think of your Future?
Have you Goals?
Would you like to Dreamsmake it happen?
Then you can create a financial foundation for your goals of tomorrow today.
To meet your needs and circumstances, the following options are available:
- Life insurance
- Life insurance
- Life insurance
- Building savings
- Unit-linked life insurance
- Termfix
- Classic pension insurance
- State-subsidized pension scheme
- Disability insurance
- Single payment
- Occupational pension scheme
Decide for yourself Investment strategy
- Security-oriented disposition
- Growth-oriented approach
- Risk-oriented investment
RETIREMENT PROVISION
Many see this as an unpleasant topic, but one that should not be underestimated.
Whether it's for your own protection or the protection of family members, optimal planning protects against unforeseen financial burdens.
Prepare yourself.
- Funeral pre-planning
- Long-term care insurance
- Pensioners' accident insurance
- Health care
- Pension provision
Examples:
Long-term care insurance
- A family member requires care due to illness. Since the state only provides limited support, relatives must bridge the financial gap. Long-term care insurance allows them to cover this gap, enabling their family member to remain close to them.
Funeral pre-planning
- A family member dies suddenly; an average funeral costs approximately €5,000. To cope with this sudden financial burden, it's possible to make provisions for this eventuality.
