Private accident insurance pays not for days off sick but for lasting consequences. The amount follows a schedule mapping loss of function to a share of the sum insured.
✓ Verified: 01/08/2026
WHAT TO DO
The logic here differs from what people expect: it is not about sick days but about what remains permanently. The payout follows the schedule, and its real size is set by the progression — that is what to examine when comparing.
Schedules, progression and sums are readily compared through Check24↗ and Tarifcheck↗; GetSafe↗ arranges cover in an app with English-language service.
I assumed the policy would pay for the months I could not work. It pays because the arm never fully recovered — an entirely different logic.
Compare not the sum insured but the payout with progression at a high degree of disability. That figure is what real protection means.
Lasting consequences of an accident — what remains once treatment is complete. It does not usually cover days off sick; other products do that. Its purpose is compensating what cannot be reversed.
A list assigning each body part a share of the sum insured for complete loss of function: arm, leg, eye and hearing are valued differently. Partial loss takes the corresponding fraction, and schedules differ between insurers.
A provision under which the payout rises faster than the degree of disability itself at high degrees. That makes sense: mild consequences are borne without money, severe ones change life entirely — and that is what the cover exists for.
Yes, the terms usually require lasting consequences to arise and be medically confirmed within a set period after the accident. Missing that deadline is a common ground for refusal.