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Private accident insurance: enforce the disability benefit

Private accident insurance pays a disability benefit if an accident leads to a permanent physical impairment. What matters are tight deadlines for establishing the disability and the correct assessment according to the disability scale, here the classification is often too low.

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Your chances of getting your money back

In case of a permanent accident-related impairment, the accident insurance pays a disability benefit. The amount depends on the degree of disability (disability scale) and the sum insured.
Tight deadlines apply: the disability usually has to be medically established and asserted within 15 months. If you miss them, loss of the claim threatens, act early.

What you should do now

  1. 1

    1. Observe deadlines

    Have the disability medically established in time and report it on time (often within 15 months of the accident).

  2. 2

    2. Check the disability scale

    Check the applied degree of disability. The classification according to the disability scale is often too low and attackable.

  3. 3

    3. Use an expert opinion

    In case of a dispute about the degree, your own medical expert opinion can help prove the actual impairment.

  4. 4

    4. Enforce the benefit

    Demand the benefit in writing and object to a too-low assessment with reasons.

How to spot the scam

  • The 15-month deadline for the establishment is running out.
  • The degree of disability is set conspicuously low.
  • Pre-existing conditions are used as a pretext to reduce the benefit.

Frequently asked questions

When does accident insurance pay a disability benefit?

When an accident leads to a permanent physical or mental impairment. The amount depends on the degree of disability (disability scale) and the agreed sum insured.

Which deadlines do I have to observe?

The disability generally has to be medically established and asserted with the insurer within 15 months of the accident. These deadlines are strict, take care of it early.

What if the degree of disability is too low?

The classification according to the disability scale is frequently set too low. You can object with your own medical expert opinion and demand a higher assessment. Justify your objection concretely.

Take action now

We put together the ready-made texts and the right places to contact for you.

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.