One takes, however, a detour as a purchase shop on the return path and the car accident happens there, so the personal accident insurance does not cover this accident. With an occupational illness it is that very importantly these in the occupational illness regulation corresponding for the profession is performed, if that has been not the fall one through some legal proceedings in spite of that still the chance on a compensation and change of the occupational illness regulation. The Services of the Legal Personal Accident Insurance are next to the payment of salary, also the takeover of the treatment costs. So the doctor puts a bill during the treatment onto the trade cooperative association, responsible for the employee, this settles the bill to 100 %. Furthermore covers the legal ones personal accident insurance one if necessary survivor's pension from. The Legal personal accident insurance leads in their services also the profession-supporting services for the rehabilitation after an accident on. All Services of the Legal Personal Accident Insurance offer, however, only a protection when the accident, not through own coarse - negligence or alcohol consumption happens. This protection exists, however, also according to an overdraft of the 10 hourly daily working time.

The Private Personal Accident Insurance:

A Private Protection from accidents is, this is valid (if not arranged differently with the insurance) around the clock with every kind of accidents. A Private Personal Accident Insurance can be finished next to the Legal Personal Accident Insurance voluntarily, at that the insured has to bear, however, the Complete Costs. One distinguishes private Unfallverischerungen once again in two kinds, into Private Personal Accident Insurances with Einmalzahlungen and into Private personal accident insurances with running amounts. Already to say as the names these two kinds of insurances distinguish particularly in the kind of the payment, so Zahlt one Private personal accident insurances with Einmalzahlungen in the case of an accident at work (from which degree is noted down through the insurance in the contract) an Einmalzahlung. One Private personal accident insurances with running amounts pays on the other hand at the kick in an accident's little, however, for that over a longer period (to to the again photo of the work) an agreed percentage of the Last Income at the harmed ones, here can come it even too one lasting pensions payment. Many Private Personal Accident Insurances offer also a contribution moving-guarantee, this resembles the principle of a life assurance with additional services of a Private Personal Accident Insurance. So higher costs will come up to one with a personal accident insurance around contribution moving-guarantee due to the additional, Life Assurance Similar, services. The services become like this, however, minus several component, at death or Compatible Ausgezahlt. Such a Private Personal Accident Insurance around contribution moving-guarantee is good particularly when one is in search of one Accident- and a life assurance is, there at that the costs nevertheless clearly smaller when at 2 singles - insurances.