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Accident-Assistance
This English translation exclusively serves informational purposes. Solely the German version is binding.
Emergency assistance & advice following an accident
Financial assistance to help with the costs of daily living
A standard feature of the Extra and Max packages in personal accident insurance
explained briefly
What is accident assistance?
Accident assistance provides immediate support following an accident and takes care of household matters, childcare and much more. This allows you to focus entirely on your recovery.
Allianz Accident Assistance packages
Psychological support
Arrangement of an initial assessment by a clinical psychologist, conducted over the telephone in up to five sessions. If the situation requires further treatment, the psychologist will refer the beneficiary to face-to-face consultations with a psychologist near their home or place of work.
Psychological conditions that have already been diagnosed or identified in the past, or that were being treated on the date the contract came into force, as well as psychological conditions not caused by an accident, are excluded.
Costs of a second medical opinion
At the insured person’s request, we will cover the costs of a second medical opinion or a recommendation for alternative treatment. This benefit is provided once per incident.
Support services for daily living
Coping with everyday life after an accident can be a real challenge. Imagine you have a plaster cast on your foot and can’t pick your child up from school.
Who will take care of the household then? Our partner will organise various support services to make your daily life easier, and we will cover the costs. This means you can focus on your recovery.
Help with household chores
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Either by a carer who provides daily care (e.g. washing, feeding and putting the insured person to bed). This does not include medical care provided by a doctor or a registered nurse.
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Or a domestic helper who carries out daily household tasks (e.g. ironing, cleaning, helping to prepare meals, etc.) in the insured person’s home.
Catering service
Arrangement and coverage of the costs for meal delivery services (‘Meals on Wheels’) if, for example, you are unable to cook because you have a plaster cast on your hand.
Food delivery
Arrangement and payment of food deliveries if you are unable to do the necessary shopping.
Childcare
Arrangement and coverage of the costs for a childminder to visit the insured person’s home to look after their child(ren), prepare meals and provide daily care. Each childminding session lasts at least two (2) hours and can be booked from Monday to Saturday, excluding public holidays, between 8:00 and 19:00.
Transport service for children
If no family member is able to take the insured person’s child(ren) to school or to their extracurricular activities, we will arrange and pay for transport by taxi from home.
Home or car modifications
Organisation and coordination of the following services should the insured person remain permanently disabled:
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A thorough analysis of the limitations faced in everyday life in the context of individual circumstances, as well as
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An on-site assessment of the home or the current care situation, in order to assess how the insured person’s new needs align with the current circumstances. Recommendations are made regarding possible adjustments, and cost estimates are provided.
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Coordination, where necessary, of the implementation of the proposed measures with tradespeople or other service providers.
Contacting and visiting a care home
Arranging visits to a care home should you be unable to look after yourself following an accident, including covering transport costs, e.g. to the viewing appointments.
We cannot guarantee that a place will be available. However, our partner will do their best to assist through their contacts and networks.
General medical information and training plan
Specialists answer questions regarding prescriptions or treatment recommendations from the attending doctor. The insured person may also obtain information on sports health, healthcare facilities, general health topics, risk factors, general medical issues, substance abuse problems, preventive care, alternative medicine, pain management centres, and counselling designed to alleviate or improve any disability resulting from an accident.
Reimbursement for cancelled sports activities
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Reimbursement of costs in the event that the insured person is forced to suspend their membership of a sports club, gym or similar for more than 30 days as a result of an accident.
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Costs for personal trainers or fitness equipment
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We cover the cost of training with a personal trainer or the hire of equipment, or contribute towards the cost of purchasing fitness equipment to help you get back into shape.
Costs of sports physiotherapy
Coverage of the costs of rehabilitation training or sports therapy provided by a physiotherapist or a therapist specialising in this field. We can recommend suitable specialists on request.
Costs of medical transport
Coverage of transport costs to and from the insured person’s home for medical appointments (e.g. physiotherapy, doctor’s appointments, etc.).
Good to know
Frequently asked questions about accident assistance
What is accident assistance?
Accident Assistance provides support in organising and coordinating various services. It is designed to help insured persons cope more easily and effectively with everyday life following an accident. One example is arranging childcare when you are unable to do so yourself.
Can I take out accident assistance as a separate policy?
No, the accident assistance cover can only be taken out in conjunction with
Where does the breakdown assistance apply?
The accident assistance services cover tasks and activities relating to everyday life. As such, they apply only in Austria or at the policyholder’s place of residence.
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