Child Accident Insurance

✔    an accident may happen anywhere: In - or on the way to - school as well as during leisure activities

✔    large coverage

✔    affordable protection: only €5 per year

Please find a basic information sheet for this product linked below or request a printed version.

Meine Gesundheitsversicherung - Mein Wahlarzt

If your child has an accident, the state social security system is a basic insurance. But it is not guaranteed, that all costs are covered in the event of a claim.

The insurance coverage provided by Allianz child accident insurance can also be combined with other existing accident insurance policies - This means, that you will receive our payments additionally!

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Child Accident Insurance
Permanent invalidity
up to €60.000
Additional insurance sum from a level of disability of at least 50%
up to €60.000
Cost coverage for search and rescue incl. Helicopter rescue
up to €3.000
Accident-related cost coverage
up to €1.000
Death caused by accident
up to €3.000
* The payment increases linearly up to a disability-level of 25%. If the disability-level exceeds 25%, the payment is quadrupled for the portion exceeding 25%. If the disability-level exceeds 90%, 300% of the sum insured will be paid for permanent disability.
man with tablet in front of the house

Step 1: 

As soon as you have an accident and you are suffering damages, you should report it to us. 

house with fire and flooding

Step 2: 

Fill in the claim form completely and send it back to us. You find this form online, but we are also happy to send it to you on request. 

men shaking hands

Step 3: 

We will provide you with all needed information regarding the further claim process. In this way, we will keep you up-to-date on the status of your claim. 

Would you like to report a claim?


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In Austria, as an employed person, you are insured against accidents under the statutory social insurance scheme, but this only covers damage caused by accidents at work or on the direct route between work and home, or by occupational disease.

Consequential damage from leisure and household accidents, on the other hand, does not fall within the scope of protection. If you are not (no longer) employed, you have just as little protection from the statutory accident insurance as children before the last (compulsory) kindergarten year.

Furthermore, kindergarten children, pupils and students are only insured on the direct way to the training center or against the consequences of accidents for the time they spend at these trainign centers.

With a private accident insurance you will have full protection without any gaps in the insurance coverage. A private accident insurance provides you additional payments, even if you already receive payments from another source, like statutory accident, health or pension insurance.
During school holidays, leisure time and weekends, children are protected by the statutory health insurance, but not an accident insurance. This means that consequential damage caused by accidents occurring at home, while playing with friends, during sports or on holidays are not covered. It is therefor recommended to take at least a student accident insurance into consideration.

A health insurance covers the costs of treatment after an accident or illness, but unlike accident insurance, it does not offer any other benefits to cover financial losses and burdens due to permanent or temporary impairments.

An occupational disability insurance on the other hand only covers you if you become unable to work as a result of an accident or illness.

However, the accident insurance will cover you regardless of the consequences. If you are disabled you will be receive a payment accordingly to your disability-level.

Do you need help?

We would be happy to advise and inform you about the possibilities of child accident insurance!

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