There is hardly any insurance that is as controversial as private accident insurance. While it promises protection in the event of an accident, there are numerous criticisms as well. Thus, coverage is often inadequate and payouts are not always guaranteed in the event of a claim. Nevertheless, many people take out private accident insurance to protect themselves from the costs of an accident. But there are actually better alternatives?
One option is statutory accident insurance, which is required by law for employees and students and also applies during leisure time. Another alternative is occupational disability insurance, which can also provide protection in the event of accidents, but also in the event of illness or mental problems. A combination of both insurances often offers better protection than private accident insurance alone.