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A normal private accident insurance secures the insured person against accidents of all kinds. The insurance protection applies thereby world-wide and around the clock.
As accident is considered suddenly from the outside event an affecting the body, which leads involuntarily to a health damage. Conditions of insurance extend the accident term also to events, which set a joint right due to a increased effort of force at member masses or spinal column, or to tear leave to muscles, chords, caps, volumes etc.
Like that e.g. each Muskelfasserriss or volume tear is an accident in the sense of this definition.
The core achievement of the accident insurance aims at the disablement, which a durable health damage is. About it is possible to include a so-called "progression": That means that one receives a higher remuneration for the percentage exceeding a certain disablement degree.
Except the 24h-Deckung mentioned there are also cutout covering, which cover not all accidents, like the passenger accident insurance, those in connection with the motor vehicle insurance is e.g. locked or the building aid accident insurance. In package tour offers also insurances against accidents on travels are offered.
To be insured can also a so-called which is responsible for accidents with the use of public means of transport.
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