💥 Accident Insurance in Germany

Medical bills are covered – but what about your life after the accident?

Health insurance pays for treatment.
Accident insurance pays for everything else: adapting your home, changing your job, or even stopping work entirely after a serious injury.

A smart extra protection for active people – especially if you play sports like cricket or travel often.

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✅ What’s covered?

• Accidents at home, while traveling, doing sports (like cricket), or abroad

• Permanent physical injury or disability

• Cosmetic surgery, rescue operations, hospital daily allowance

• Global protection – 24/7, even in India or on vacation

• Lump-sum payouts from €100,000 to €1,000,000 depending on severity

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🏏 Cricket example:

Imagine getting hit on the eye by a fast ball during a friendly match.
→ You lose 60% vision in one eye.
→ Your policy pays €150,000 to €400,000, tax-free – depending on your coverage.

You can use this money to:

• Take time off work

• Pay for private rehab

• Support your family

• Cover home renovations or mobility needs

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💡 Why it matters:

• Public accident coverage only applies while working – not in free time

• This insurance closes that gap – especially useful for sports, hobbies, or parents

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🤝 Why NEOdirect?

We understand the lifestyle and risks of Indian expats – and we speak your language.
We help you pick a realistic sum insured and avoid unnecessary extras.

✔️ Honest advice – no sales pressure
✔️ English-speaking experts
✔️ Only €5–15/month for solid protection

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📅 Play safe – on and off the field.

Book a free consultation with our expert team:
👉 

 

 

CHOOSE PROGRESSIONAL TARIFF

The progression tariff offers the best price-performance ratio. Here, insured people with a high degree of disability receive up to 100,000 euros more than the benefit of a linear tariff. We recommend a progression of at least 350%. In the event of disability, you are well protected.

THE OPTIMAL SUM INSURED

To maintain your living standard, taking out insurance of at least 100,000 euros is advisable. A dynamic adjustment agreement offsets inflation; The sum insured increases by a certain percentage yearly.

INCLUDE ADDITIONAL SERVICES

The insurance can include additional benefits such as death insurance or cosmetic operations. Including a monthly accident, a pension ensures that you have a regular monthly income for the rest of your life if your ability to perform is permanently impaired - especially if you cannot work.

Why do I need accident insurance?

Accident insurance protects your existence after the consequences of an accident. It covers all accidents in everyday life that happen at home, while travelling, in your free time, at work, or in traffic. Statutory accident insurance does not pay here. In the event of a claim, the insured person receives a lump sum, which he can then use to compensate for loss of income or convert his house to make it suitable for people with disabilities. In addition, a monthly pension payment can be agreed upon.

Who should have accident insurance?

Accident insurance is particularly recommended for self-employed people, non-employed people, or partners who manage the household, as they are not legally insured against accidents. Older workers are often no longer able to take out occupational disability insurance due to health issues, so accident insurance is often the only alternative. Children also have no claims against statutory accident insurance and benefit from private insurance.

What does accident insurance provide?

Whether at work or in your free time, accident insurance is available around the clock and worldwide. The decisive factor in accident insurance is the disability benefit, the amount of which depends on the agreed insured sum and the degree of disability. The degree of disability is calculated as a percentage based on the so-called “link tax”. Other benefits such as pension payments, death benefits, daily sickness benefits or cosmetic operations are optional. Check which of these building blocks make sense for you. Self-employed people and freelancers should always include daily sick pay in their benefits catalogue.

How high should the sum insured be?

Choose an insurance amount that meets your personal financial needs. Check how much money you will need in an emergency, what insurance you already have in place, and consider the professional consequences that could result from an accident.

What's a rule of thumb?

Estimate at least three times your current gross annual income. The younger you are, the higher the insurance sum should be. For example, a 30-year-old man with a gross annual income of €40,000 should insure at least €120,000. Ideally, however, he estimates five times his income: €200,000. Agree on a dynamic with your accident insurance. Contributions and the sum insured are dynamically adjusted annually, for example, to the development of contributions to the statutory pension insurance.

What to do in case of damage?

Please report the accident to your insurer as soon as possible. You will receive an accident report, which you must immediately send back to the treating doctors/hospitals with information about the accident and the injuries. A fatal accident must be reported to the insurance company within 48 hours. If you want to claim disability, you must have a written statement from the insurer no later than 15 months after the accident.