Well-insured against accidents with Württembergische Versicherung

It’s finally springtime. For many leisure sportsmen and women it marks the start of the nicest part of the year and they are enticed outdoors by the beautiful sunshine and pleasant temperatures – for example on their bikes or longboards, on the tennis court or football pitch. Some rides and some matches however end with a rude awakening lying on tarmac, grass or in the bushes – and with not inconsiderable injuries and pain for the leisure athletes. The costs for medical care in such cases are generally paid by the health insurance – but what about the rest?

About nine million people meet with an accident every year in Germany. Thirty per cent of all accidents occur in school, university, when working or on the way to and from work or one’s place of education. It is only in these cases that the statutory accident insurance scheme offers financial support and then only when earning capacity is reduced by 20 per cent.

Seventy per cent of all accidents however occur at home – for example when doing the housework – in one’s leisure time or when playing sport. The statutory insurance scheme does not pay in such accidents. Little known is also that housewives or housemen and retired persons are not covered by the statutory accident insurance scheme. It on the whole only offers basic cover. Assistance that may be extremely sensible after an accident, such as help in the home, shopping, running errands and when looking after one’s children is not covered at all.

When the media every now and again takes a look at which insurance policies make sense in the private sphere, accident insurance schemes earn more than the fleeting consideration they are given. As a general rule, it indemnifies victims of accidents when doing their jobs, in the household or in their leisure time – 24/7 and all around the world. Should a cyclist fall off his or her bike when riding or crash into a lamp post – it is the classical case for the private accident insurance.

A private accident insurance policy often offers not only urgently needed financial security after an accident but – like for instance the one provided by the Württembergische Versicherung – assistance in daily private life for a period of up to 12 months. Such assistance can include – in addition to the already mentioned – home care, washing, or accompaniment to the doctor or the various authorities. If needed, the costs for a rehab advisor after a serious accident will also be covered within the framework of a private accident insurance policy. He or she will analyse the situation and give valuable tips to aid the accident victim’s return to health and his or her quick return to an, if possible, independent life.

Press contact:
Dörte Lochner
Wüstenrot & Württembergische AG
Communication
Tel: +49-(0)711-662-724038
E-mail:
Internet: www.ww-ag.com