The difference between policies lies in the definition of an accident, the exclusions and the deadlines. When something happens, timely medical documentation decides everything.
✓ Verified: 01/08/2026
WHAT TO DO
Policies differ not in price but in how they define an accident and what they exclude. And almost every dispute over payment turns on one question: was the link between injury and event documented by a doctor at once, or only afterwards.
Definitions, exclusions and progression are compared through Check24↗ and Tarifcheck↗; with GetSafe↗ terms and claims are handled in English in the app.
My first policy had no extended definition. A torn ligament during ordinary movement did not count as an accident — formally entirely correct.
At the first medical visit, say the injury arose from a specific event and ask for it to be noted. One line in the record decides the payout a year later.
Because it determines whether an event counts as an accident at all. The classic definition requires a sudden external event; extended policies include things like excessive exertion and certain injuries missing from basic cover.
Hazardous sports, accidents under the influence of alcohol, deliberate acts, and consequences of illnesses without external cause. Wordings vary, and it is the exclusions section that separates similarly priced policies.
See a doctor and make sure the records connect the injury to the specific event, its date and how it happened. Six months later that link is nearly impossible to establish, and without it the payout is in doubt.
Children are not covered by the statutory system outside school and nursery, and the consequences of an injury follow them for life. For older people tariffs cost more and exclusions multiply, yet falls there most often lead to lasting consequences.