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Archive for the ‘Accident and Sickness insurance’ Category

The difference between Accident and Sickness Insurance is that the statutory health insurance covers costs for medical treatments, regardless of whether they result from illness or accident. Is the treatment finished, you get no benefits from the insurance company more.

The statutory health insurance is compulsory. It provides the basic health coverage. The scope is determined primarily by law. The individual service areas are in the 5th Social Code stipulates that insurers can offer but also have additional benefits. To what extent is different from fund to fund.

In principle, the statutory health insurance takes over all the costs of medically necessary treatment. To the prescribed benefits of statutory health insurance but also include services for the prevention of diseases, their deterioration, and for early detection.

Accident Sickness and Unemployment is recommended in all cases. they pay the difference to accident insurance, even when the consequences of accidents that have arisen outside the profession. Especially for children 0-3 years who still receive no legal protection against accidents, hedging is useful.

Statutory accident insurance pays benefits for the consequences of an accident at work or commuting accident or due to occupational disease. Restore health and performance is top priority here.

In contrast, the private accident insurance pays principle as a result of accidents. Regardless of location or time of the accident.

The benefits of accident insurance can be either a lump sum or as monthly payments in the form of an annuity. Determine the level of compensation is the degree of disability. The insurance policies are geared to members of a tax.There, the compensation payable is graded according to percentage disability.

The degree of physical limitations is either determined by the attending physician or a physician who is hired by the insurance. In addition to the disability, the private accident insurance also have additional benefits.

Is the biggest difference between an accident and health insurance that is combined to the circumstances under which the respective claims came about is performance.