Accidents are events that suddenly affect someone from outside and involuntarily lead to damage to health. In serious cases, an accident can result in permanent disability or death.

What is progression in private accident insurance?

Progression is a percentage value by which the amount payable increases from a certain degree of disability. The benefit increases dynamically depending on the degree of injury. With Allianz, you receive up to 550% of the sum insured, depending on the degree of disability and the package selected.

What is a limb tax in private accident insurance?

The disability rating scale is used to determine the degree of disability and how much benefit will be paid by private accident insurance in the event of permanent impairment.

Does accident insurance for children or babies make sense?

During school holidays, leisure time and weekends, children are covered by statutory health insurance but not by accident insurance. This means that any consequential damage caused by accidents that occur at home, while playing with friends, during sports or on holiday is not covered. It is therefore advisable to take out accident insurance for children. With Allianz accident insurance, newborns are covered free of charge until they reach the age of 12 months.

My accident prevention

Private accident insurance

Q: What is the difference between statutory and private accident insurance?

The benefits provided by statutory accident insurance are mainly: Financial protection in the event of accidents at work and occupational diseases Treatment after an accident Private accident insurance offers additional benefits such as: Insurance cover also for leisure, household and transport Coverage of medical expenses, pharmacy bills, costs for operations or special treatment in a hospital following an accident during leisure time Physiotherapy and rehabilitation after a leisure accident Financial support for accident-related consequential damage and permanent impairments that require, for example, the conversion of the claimant's own home

Q: Who is covered by statutory accident insurance?

In Austria, all employees, including salaried employees, manual workers, freelance contractors and even those in marginal employment, are covered by accident insurance. All children are also covered by accident insurance from the start of their final year of nursery school.

Q: When does private accident insurance not pay out?

Private accident insurance does not cover illness and does not pay out in the event of the following, for example: Accidents involving aircraft and air sports equipment (e.g. accidents involving parachutes, paragliders, gliders) Accident during motor sport competitions Accident during Nordic or Alpine skiing competitions Accident involving intentional, criminally punishable acts Accident related to wars or internal unrest Accident caused by chemical, biological or nuclear weapons Accident caused by radioactive radiation Accident caused by significant impairment due to intoxicating substances or medication

Q: Where does Allianz private accident insurance apply?

The insurance cover in all selected private accident insurance packages is valid worldwide.

Q: What is the difference between accident insurance and occupational disability insurance?

Occupational disability insurance generally only pays out if you are unable to work as a result of an accident or illness. However, accident insurance pays out regardless of whether you are unable to work and provides benefits based on the degree of disability.

This English translation exclusively serves informational purposes. Solely the German version is binding.

Protection against the financial consequences of an accident or disability

Coverage for accidents occurring during leisure and sporting activities, as well as accidents in the home and on the road

Supplementary cover to statutory accident insurance

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explained briefly

What is private accident insurance?

Private accident insurance provides additional financial protection in the event of accidents occurring during leisure time. It covers medical and rehabilitation costs and pays out the agreed sum in the event of permanent physical impairment (disability). In contrast, statutory accident insurance only pays out for accidents that occur in connection with work.

Your benefits

Why take out private accident insurance?

Over 85% of accidents are leisure-related

According to the KFV accident statistics, just 14% in 2024 accidents at work or at school.

Affordable basic cover

Get comprehensive cover in the event of an accident with our Comfort Package.

Payment of treatment costs

Coverage of doctors’ and pharmacy costs, private hospital accommodation, and therapy & more, up to the agreed sum insured.

Financial security following accidental death

In the event of your death, your next of kin will receive the agreed sum insured, which can help to cover the costs of the funeral.

Accident prevention for children & babies

Accident insurance for children is particularly worthwhile. Newborns are automatically covered for 12 months from birth, with no premiums payable*.

Accident assistance included in the
EXTRA package

Support with organising and managing your daily life following an accident.

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* Children of the insured person born during the term of the insurance policy are covered free of charge for 12 months from the date of birth.

Package overview

An overview of Allianz accident insurance packages

	Package COMFORT	Package EXTRA	Package MAX

Permanent disability Comfort: without progression, linear course Benefit from a degree of disability of 20% Extra: Progression 25/300 Benefits from a degree of disability of 1% Up to 10% disability, 1% of the sum insured is paid in each case. Max: Progression 25/500 Benefits from a degree of disability of 1% Up to 10% disability, half the benefit is paid.	included	included	included

Accidental death	included	included	included

School absence allowance	included	included	included

Newborn bonus	included	included	included

My Digital Doc dummyMein - Digital-Doc	included	included	included

Insured accident costs Search, rescue and repatriation costs, rehabilitation allowance, monthly fixed costs, outpatient medical treatment	included	included	included

Additional insured accident costs inpatient medical treatment, costs for accompanying persons, cosmetic surgery	not included	included	included

Immediate performance	not included	included	included

Advance payment for permanent disability	not included	included	included

Helmet bonus for children	not included	included	inkludiert

Hospital fees	not included	included	included

Coma money	not included	included	included

My accident assistance dummyMeine Unfall-Assistance	not included	included	included

Retraining costs	not included	not included	included

Extended accident protection

Sports or professional package	optional	optional	optional

My Turboplus	optional	optional	optional

My added value		optional	optional

My additional protection		optional	optional

accident disability pension		optional	optional

Daily allowance from the first day			optional

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When is private accident insurance a good idea?

According to the Link Text, there were 783,000 injuries in Austria in 2024. That is more than 2,100 injuries per day. Of these, only around 14% of accidents occurred at work or at school and are therefore covered by statutory accident insurance. The majority of accidents occur in the home (approx. 41%), followed by leisure and sports accidents (approx. 33%) and road traffic accidents (approx. 12%). These accidents are not covered by statutory accident insurance. In the event of such accidents, the treatment costs are covered by statutory health insurance, but not the consequential damages.

Frau mit Ski auf den Schultern im Schnee

Who would benefit from private accident insurance?

Private accident insurance is a sensible choice for everyone, as most accidents happen at home. However, it is even more worthwhile for people who are often out and about in their free time or who play sports.

Private accident insurance is also beneficial for children and older people, as well as those in occupations with a higher risk of injury.

The sports with the highest number of injuries include:

Football and other team sports

Skiing

Hiking and climbing

Frau mit Gips-Bein auf dem Sofa und telefoniert

What types of accidents are covered?

Injuries to the musculoskeletal system: dislocations, strains, tears to muscles, tendons, ligaments, joint capsules of the limbs and spine, or meniscus injuries

Accidental ingestion of harmful substances: poisoning, swallowing of solid objects, accidental inhalation of gases

Accidents caused by external factors: drowning or suffocation, frostbite, burns, scalding, electric shock or lightning strikes

Accidents resulting from a heart attack or stroke

Mann am Handy und schiebt nebenher Fahrrad

Our product highlights

Worldwide insurance cover for accidents during leisure activities

Immediate benefits and advance payments following an accident

Coverage of fixed costs in the event of incapacity for work for up to 6 months

Costs of retraining in the event of permanent disability

Newborns up to 12 months of age are covered free of charge

Up to 550% progression (increase in disability benefit depending on the degree of disability)

Costs for a private accident insurance

Case study

Max Mustermann lives in Vienna, works full-time as a sales assistant and is 28 years old. He is single, has no children and enjoys playing sport in his spare time. His favourite pastime is playing tennis with his friends. To ensure he has the best possible cover for accidents during his leisure time, he takes out private accident insurance.

Monthly premium for My Accident Cover Extra
with a sum assured of €120,000 for permanent disability: €13.10

The following factors are taken into account when calculating the premiums for My Accident Cover: the chosen package, the sum insured for permanent disability, occupation, place of residence, age and, where applicable, sport, if a sports package is to be included.

ADDITIONAL MODULES

Other products for accident prevention

Private accident insurance for children

Prevention is better than cure, especially when it comes to our little ones, as accidents can always happen. Although children are covered by statutory health and accident insurance whilst at school and on their way to and from school, this cover does not apply during school holidays, at weekends or in their free time. That is why it is worth taking out private accident insurance for children.

Go to child accident insurance

Occupational disability insurance

Occupational disability insurance protects you from the financial consequences if you are no longer able to work due to illness or an accident. It compensates for a long-term loss of income, thereby helping you maintain your standard of living.

Go to occupational disability insurance

Take advantage of additional services such as:

Coverage for sports injuries

Extend your accident insurance cover with a sports package for high-risk activities such as climbing, mountain biking, diving or motor sports.

Monthly pension

Should an accident result in permanent physical injury and/or limit your ability to work, our monthly pension can help cushion the financial impact.

Assumption of fixed costs

If you are hospitalised for more than 14 days following an accident, we will cover your monthly fixed costs for the entire period of your incapacity for work – but for no longer than six months.

Private hospital following an accident

With the Inpatient Treatment module, we will reimburse you for the costs of private-ward treatment in public hospitals, private hospitals and sanatoriums.

Lump-sum payment in the event of death

In the event of accidental death, your surviving dependants will receive a lump-sum payment to cover the usual funeral costs.

Accident-Assistance

With our assistance services, we help you organise and manage your daily life following an accident.

Please note: Some of the services shown are optional extras and can be added on an individual basis.

good to know

Frequently asked questions about accident insurance

What is an accident?

Accidents are events that occur suddenly as a result of external factors and involuntarily cause harm to a person’s health. In serious cases, an accident can lead to permanent disability or death.

What is disability?

Disability is a permanent impairment of the body or mind, often caused by an accident or illness.

What is the excess in private accident insurance?

The progression is a percentage by which the sum payable increases once a certain degree of disability is reached. The benefit increases dynamically depending on the severity of the injury.

With Allianz, you can receive up to 550% of the sum insured, depending on the degree of disability and the package you have chosen.

What is a disability rating in private accident insurance?

The degree of disability is determined using the disability rating scale, which also determines the level of benefits payable under private accident insurance in the event of permanent impairment.

What is the difference between statutory and private accident insurance?

The main benefits provided by statutory accident insurance are:

•

Financial protection in the event of accidents at work and occupational illnesses

•

Treatment following an accident at work

Private accident insurance offers additional benefits such as:

•

Insurance cover for leisure, home and motoring too

•

Coverage of medical expenses, pharmacy bills, the cost of operations or private hospital accommodation following a leisure accident

•

Physiotherapy and rehabilitation following a leisure-time accident

•

Financial support for accident-related consequential damages and permanent disabilities that, for example, require the conversion of one’s own home

What is covered by statutory accident insurance?

In Austria, all workers – including all employees, manual workers, self-employed people and those in marginal employment – are covered by accident insurance. All children are also covered by accident insurance from the moment they start their final year of nursery school.

When does private accident insurance not pay out?

Private accident insurance does not cover illnesses, nor does it pay out in the event of, for example, the following incidents:

•

Accidents involving the use of aircraft and air sports equipment (e.g. accidents involving parachutes, paragliders and gliders)

•

Accidents at motor sport events

•

Accidents during Nordic or alpine skiing competitions

•

Accident resulting from deliberate acts constituting a criminal offence

•

Accident arising out of war or civil unrest

•

Accident involving chemical, biological or nuclear weapons

•

Accident caused by radioactive radiation

•

Accident resulting from significant impairment caused by drugs or medication

Where does Allianz’s personal accident insurance apply?

The cover provided by all selected private accident insurance packages is valid worldwide.

Is accident insurance for children or babies a good idea?

During school holidays, leisure time and weekends, children are covered by statutory health insurance but not by accident insurance. This means that any resulting injuries from accidents that occur at home, whilst playing with friends, during sport or on holiday are not covered. It is therefore advisable to take out accident insurance for children.

With Allianz accident insurance, newborns are covered free of charge up to the age of 12 months.

What is the difference between accident insurance and occupational disability insurance?

Disability insurance generally only pays out if you become unable to work as a result of an accident or illness. Accident insurance, however, pays out regardless of whether you are unable to work, with the amount of the benefit depending on the degree of disability.

What is the difference between accident insurance and health insurance?

Health insurance covers the costs of treatment following an accident or in the event of illness; unlike accident insurance, it does not provide any additional benefits to cover financial losses or burdens resulting from permanent or temporary disabilities.

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Private accident insurance

How can we help you today?

What is private accident insurance?

Why take out private accident insurance?

Over 85% of accidents are leisure-related

Affordable basic cover

Payment of treatment costs

Financial security following accidental death

Accident prevention for children & babies

Accident assistance included in the EXTRA package

An overview of Allianz accident insurance packages

COMFORT

EXTRA

MAX

When is private accident insurance a good idea?

Who would benefit from private accident insurance?

What types of accidents are covered?

Our product highlights

Costs for a private accident insurance

Case study

Other products for accident prevention

Private accident insurance for children

Occupational disability insurance

Take advantage of additional services such as:

Coverage for sports injuries

Monthly pension

Assumption of fixed costs

Private hospital following an accident

Lump-sum payment in the event of death

Accident-Assistance

Frequently asked questions about accident insurance

Our Download Centre

Customer reviews

Do you have any questions about other Allianz products?

Personal. Digital.

Non-binding quote

Report a claim online

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Accident assistance included in the
EXTRA package