Who it is for
Anyone who wants financial protection if an accident causes a permanent injury & parents who want cover for active children
Accident protection for expats
Accident Insurance in Germany
Unfallversicherung
Your employer covers you at work. Private accident insurance protects you 24/7, including your free time, sports, travel, and visits home to India.
What it is
Why Indian expats need this cover?
What it protects
Your income and savings after a serious accident, through a lump sum, an optional monthly pension, and help with hospital and recovery costs
Why it matters
Statutory accident cover only applies at work and on the commute, while most accidents happen in your free time
Why it matters
Protected at work. What about the rest of your life?
In Germany, your employer's accident cover (gesetzliche Unfallversicherung) stops the moment your free time begins. Yet, most accidents happen at home, doing sports, or travelling. Get full 24/7 protection, fully in English.
24/7 worldwide
Private accident cover applies around the clock and anywhere, including holidays and trips home to India, not only during working hours in Germany.
Protect your savings
Because it focuses specifically on injuries rather than general illnesses, you get a six-figure financial backup for just a small monthly amount.
01
Work is only one part of life
Cycling, sports, travel, and everyday activities are where many accidents happen.
02
Health insurance has a limit
German health insurance pays your hospital bills, but it won't replace a lost tech salary, fund lifestyle adaptations, or protect your savings while you recover.
03
Your cover determines your payout
The cover sum, progression, and Gliedertaxe decide how much support you receive after an accident.
Not sure how much cover you need? We will work out the right cover sum and progression with you in a short call.
Book a free 30-min accident cover checkWhat's covered
The benefits that protect you after an accident
The core of every policy is a lump sum for permanent injury, and a range of useful benefits can be added around it to fit your life and your family. Here is what sits inside a typical policy and what we usually recommend adding.
Permanent disability lump sum (Invaliditätsleistung)
The core benefit. If an accident leaves you with a lasting impairment, you receive a one-off payment based on your cover sum and the degree of disability, scaled up by your progression.
Progression that multiplies severe claims
With progression a serious injury pays far more than the base sum, often up to 350 or 500 percent, so the cover is strongest exactly when the injury is most life-changing.
Monthly accident pension (Unfallrente)
For severe disability above a set threshold you can add a lifelong monthly payment, which helps replace income and cover the cost of ongoing care.
Hospital daily allowance and recovery benefit
Optional daily payments while you are in hospital (Krankenhaustagegeld) and during recovery at home (Genesungsgeld) help with the extra costs and lost income around a stay.
Bone fractures, rehab, and rescue costs
Many tariffs add fixed payments for fractures, the cost of rehabilitation, and search, rescue, or recovery costs after an accident in the mountains or abroad.
Cosmetic and dental surgery after an accident
If an accident leaves scarring or damage, the policy covers cosmetic and dental surgery to restore your appearance, which standard health cover often will not pay for.
Cover for your children and family
Children's accident cover is inexpensive and important, because statutory cover only applies at school or kindergarten, not at home or in their free time, where children are most active.
Health events that count as accidents
Better tariffs widen the accident definition to include events like a heart attack or a stroke that causes an accident, along with poisoning and certain infections, so more situations qualify as a claim.
Worldwide, around the clock
The cover is not limited to Germany or to working hours, so an accident on holiday or on a visit home to India is treated the same as one at home.
The payout for a partial injury follows the Gliedertaxe, the table that sets what each body part is worth as a share of your cover sum. We compare these tables across insurers, because two policies with the same cover sum can pay very differently.
Cover calculator
Estimate the payout your accident cover could provide
Choose your cover sum and progression to see how much a serious injury could pay out. We confirm the right level with you in a free call.
Higher progression pays more on the most severe injuries.
Max payout at full disability
€525.000
This is €150.000 of cover scaled by 350% progression, the payout for a total permanent disability. A partial injury pays a share of this, set by the Gliedertaxe. On top of the lump sum, a severe disability would add a monthly accident pension of €0.
Gliedertaxe
How the Gliedertaxe turns an injury into a payout
Most accident claims are not for total disability. The Gliedertaxe is the table in your policy that sets what each body part is worth as a percentage of your cover sum, so the lasting loss of a hand pays a fixed share rather than the full amount. Two policies can carry the same cover sum and still pay very differently, because their tables differ, and a stronger table is one of the main reasons we recommend one tariff over another.
Tariff
From your calculator
€150.000350% progression
Adjust these in the calculator above.
| Body part | Share of cover sum | Base payout | With 350% progression |
|---|---|---|---|
| ArmArm | 70% | €105.000 | €300.000 |
| HandHand | 55% | €82.500 | €187.500 |
| ThumbDaumen | 20% | €30.000 | €30.000 |
| Index fingerZeigefinger | 10% | €15.000 | €15.000 |
| Any other fingerSonstiger Finger | 5% | €7.500 | €7.500 |
| LegBein | 70% | €105.000 | €300.000 |
| FootFuß | 40% | €60.000 | €105.000 |
| Big toeGroße Zehe | 5% | €7.500 | €7.500 |
| Sight in one eyeAuge | 50% | €75.000 | €150.000 |
| Hearing in one earGehör, ein Ohr | 30% | €45.000 | €60.000 |
| Sense of smellGeruchssinn | 10% | €15.000 | €15.000 |
| Sense of tasteGeschmackssinn | 5% | €7.500 | €7.500 |
These are illustrative figures for a complete loss or loss of function of the body part, and the exact table varies by insurer and tariff. The base payout is your cover sum times that share, and the progression column applies a representative 350% curve that lifts only the more serious degrees of invalidity. We compare the real tables and progression models for you before you choose.
The number worth getting right
Find out the right cover sum for your situation
In a free 30-minute call we look at your work, your sport and hobbies, and your family, and tell you honestly how much accident cover makes sense, so the payout would genuinely help without overpaying.
Client testimonial video
Coming soon
From our clients
“I tore knee ligaments skiing and was off work for months. NEOdirect had set my accident cover with strong progression, so the lump sum covered the gap and they handled the paperwork with the insurer in German.”
Arjun · Software engineer, Munich · Accident cover client since 2021
Before you sign
No surprises when you need it
Accident cover is affordable and genuinely useful, and whether a claim pays what you expect comes down to the cover sum, the progression, and the Gliedertaxe. We go through these with you before you decide.
Set the cover sum high enough
Because a serious injury pays as a share of your cover sum, a base figure of only one or two times your annual income often leaves too little for a life-changing impairment, so we size it to what a real adaptation would cost.
Progression is where the value sits
A policy without progression pays the same rate whether the injury is minor or severe, so we choose tariffs with 350 or 500 percent progression, which pay far more on the most serious claims.
Read the Gliedertaxe, not just the headline
The Gliedertaxe sets what each body part is worth as a percentage of the cover sum, so two policies with the same cover sum can pay very differently, and we compare the actual tables rather than the marketing number.
Mind the exclusions and the waiting period
Some causes are excluded, an accident pension usually pays only above a set degree of disability, and the impairment is assessed after a set period, so we explain what is and is not covered before you sign.
How we work
We make German insurance simple
Accident cover is quick to arrange, and protection can often start within a few days once we have agreed the cover sum, the progression, and any add-ons that fit your life.
-
Free Consultation
15-30 minutes
A conversation in English about your work, your sport and hobbies, and your family, so we understand the risks you actually carry.
-
Get the right cover
Clear recommendations
We set a realistic cover sum and progression, compare accident tariffs from 50+ German insurers, and show you what each policy really pays in plain English.
-
Enjoy lifetime support
Always here when you need us
We handle the application and support you with changes, claims, and German insurance letters via WhatsApp.
Why NEOdirect
We put your interests first and fight your claims in German
Accident cover looks similar from one insurer to the next, and the real differences sit in the Gliedertaxe, the progression, and the exclusions. Here is what working with us actually gives you.
We set a cover sum that would actually help
We size the cover to your income, your family, and what a real adaptation would cost, so a severe injury pays a sum that genuinely supports you.
Progression and Gliedertaxe matched to real risk
We choose strong progression and compare the Gliedertaxe across insurers, so the most serious injuries pay far more than a basic policy would.
Honest about what fits
If disability insurance or a leaner accident tariff suits you better, we say so plainly, even when it earns us less.
In your corner on claims
If an insurer ever questions a claim, we take it on in German and argue your case, so a serious accident does not also become a fight over the payout.
German insurers we work with
We are a broker (Versicherungsmakler), so we are not tied to any single insurer and earn the same regardless of which one you choose.
FAQ
Accident insurance explained for Indian expats
No, it is optional. Employees have statutory accident cover for work and the commute, and a private accident policy is the common way to extend that protection to the rest of your life, where most accidents happen.
Statutory accident insurance (gesetzliche Unfallversicherung) only pays for accidents at work and on the direct journey there and back. A private policy covers you 24 hours a day and worldwide, including sport, travel, and time at home.
They do different jobs. Disability insurance replaces income when illness or an accident stops you working, while accident insurance pays a lump sum for permanent injury from an accident. Many people hold accident cover as a more affordable complement, especially for children, where disability cover is hard to arrange.
The Gliedertaxe is the table that sets how much each body part is worth as a percentage of your cover sum. Losing the use of a hand, for example, pays a fixed share. We compare these tables, because two policies with the same cover sum can pay very differently.
Progression scales the payout up for severe injuries. With 350 percent progression a total disability pays three and a half times the base sum, so the cover is strongest when the injury is most serious.
Yes, and children's accident cover is inexpensive and worth holding, because statutory cover only applies at school or kindergarten, not at home or in their free time, which is when children are most active.
Yes. Private accident cover applies worldwide and around the clock, so an accident on holiday or while visiting family in India is treated the same as one in Germany.
Injuries that come from illness rather than an accident can fall outside the cover, and some specific causes or activities are excluded depending on the tariff. We go through the exclusions with you and pick a policy that fits how you actually live.
A common starting point is a base sum of several times your annual income with strong progression, so a severe injury pays a six-figure amount. We sense-check the figure against your income, your family, and what a real adaptation would cost.
It can. You can add a monthly accident pension (Unfallrente) for severe disability above a set threshold, alongside the one-off lump sum, which helps with ongoing costs and care.
Your free time is worth protecting. Let’s talk it through.
No German required. Bring your questions about accident cover, and we will explain your options clearly and tell you what to do next.
NEOdirect · Insurance broker for expats in Germany