Accident insurance · Advice in Munich and across Germany
Group accident insurance and private accident insurance – advice in Munich and across Germany.
Group accident insurance protects your workforce around the clock – including in private life and on holiday. Private accident insurance closes the gap left open by statutory accident insurance: everything that happens outside work. Both are explained here so that, by the end, you know which one you need – and which one you don't. Christian Kometer supports companies, self-employed professionals and families in Munich and across Germany – in person, hybrid or fully digital.
Location: Gauting near Munich · advice across Germany · in person, hybrid and digital
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Short answer
Which accident cover suits your situation?
For companies, the question is how employees can sensibly be given additional cover and how benefits can be strengthened. For private individuals, it is about cushioning the financial consequences of an accident that fall outside statutory cover.
For companies
Group accident insurance: a benefit that can become tangible in an emergency.
A company group accident insurance policy supplements statutory cover and – depending on the agreed scope – can also include accidents outside work and the commute. According to Allianz's currently published information, group solutions are possible from as few as two insured employees.
Supplementing statutory cover
Statutory accident insurance only applies in certain insured situations. A group solution can extend this cover – depending on the level of cover chosen.
24-hour cover possible
Depending on how it is structured, cover can extend to both work-related and private accidents, including leisure time, travel and everyday life.
Making the employee benefit visible
Additional accident cover can express appreciation and be part of a wider benefits strategy.
Also for smaller companies
Group arrangements can already be relevant for small workforces. Requirements, the group of people covered and sums insured are assessed individually.
Including the employer
Depending on the arrangement, the employer themselves can also be included in the cover.
Checking the tax treatment
Tax treatment depends on the specific arrangement. It should be coordinated with your tax adviser or payroll department.
For private individuals and families
Private accident insurance: because many accidents don't happen where statutory cover applies.
Private accident insurance can apply around the clock and worldwide. The focus is on financial support if an accident causes lasting health consequences. Depending on the tariff, additional assistance and service benefits may also be included.
Disability benefit
In the event of permanent accident-related impairment, a one-off lump-sum payment can be made. The amount and the requirements depend on the tariff chosen and the degree of disability.
Worldwide cover
Private accident cover can also apply at home, during sport, on holiday or in leisure time – depending on the agreed scope of cover.
Supporting recovery
Depending on the tariff, therapeutic support, referral to specialists or further Wieder-Fit services (rehabilitation support) can be part of the cover.
Rescue and recovery
Search, rescue and recovery costs can be included within the contractual limits.
Tailored cover for the family
Cover can be tailored to different family members according to their individual life situation.
Choosing the scope of cover deliberately
The disability sum insured, progression and additional modules should not be chosen at random, but should suit your personal situation.
Quick comparison
Company solution or private cover?
Both pursue the same basic goal: making the financial consequences of an accident easier to manage. The right approach depends on who is to be covered and in what context.
| Question | Group accident insurance | Private accident insurance |
|---|---|---|
| For whom? | Companies, employees, employer where applicable | Individuals and families |
| Goal | Additional accident cover as company protection and a benefit | Personal financial cover for the consequences of an accident |
| 24/7 possible? | Depending on the cover chosen | Depending on the tariff, worldwide around the clock |
| Structure | Group of people covered, sums insured and scope of cover | Tariff, disability sum insured, progression and additional modules |
| Advice | Across Germany – in person, hybrid or fully digital | |
Advice with a system
Four steps instead of product chaos.
The decision doesn't start with a tariff, but with your situation.
Starting point
Who is to be covered, and what protection is already in place?
Risk & goal
Which financial consequences should be cushioned, and which benefits should be prioritised?
Concept
Sums insured, scope of cover and modules are structured in a clear, comprehensible way.
Implementation
You receive a clear recommendation and are supported through the application and ongoing service.
Christian Kometer
Making insurance understandable, before a decision is made.
Christian Kometer is a trained insurance clerk (Versicherungskaufmann), a qualified insurance business economist (Versicherungsfachwirt), an entrepreneur and an Allianz general agent. He has worked with insurance, health and provision systems since 1992. His advice is aimed at private individuals, the self-employed, executives and companies across Germany – in person, hybrid or fully digital.
FAQ
Frequently asked questions about group accident insurance and private accident insurance.
What is the difference between statutory and private accident insurance?
Statutory accident insurance essentially applies to insured accidents at work, at school and on the way to and from work or school. Private accident insurance can additionally cover accidents during leisure time, at home, in sport or on holiday – depending on the cover chosen.
What is a company group accident insurance policy?
A group accident insurance policy is arranged for several people within a company. It can supplement statutory cover and, depending on how it is structured, also include private accidents through 24-hour cover.
Is group accident insurance also possible for small companies?
According to Allianz's currently published information, group solutions are possible from as few as two insured employees. The specific requirements that apply are assessed individually for your company.
Which benefits matter in a private accident insurance policy?
The key points include, in particular, the disability benefit, the sum insured and progression. Depending on the tariff, further benefits such as Wieder-Fit support, rescue and recovery costs or additional service modules may also be included.
Can the advice be provided fully digitally?
Yes. Christian Kometer advises companies and private individuals across Germany. The analysis, discussion and many further steps can be carried out in person, hybrid or fully digitally.
Is the tax treatment of group accident insurance always the same?
No. The tax treatment depends on the specific arrangement. It should therefore be coordinated with your tax adviser or payroll department.
Contact
Check your accident cover – before an accident reveals the gap.
Book a strategy consultation with the Allianz General Agency Christian Kometer. The advice is open to companies and private individuals across Germany – in person, hybrid or digital.
