Occupational group accident insurance

With a company group accident insurance policy, employers can increase the insurance coverage of their own employees and thus not only improve the company's social benefits, but at the same time companies can also benefit from tax advantages. Such insurance covers many costs related to the accident and also the follow-up costs.

An accident can also happen quickly during work or on the way there and thus have far-reaching financial consequences for the company as well as for the employee. The company itself has to find an adequate replacement and for the employee the consequences of an accident can lead to a loss of income or even cost-intensive alterations. The insurance cover provided by the statutory accident insurance is often not sufficient to cover the costs to a reasonable extent. Employers can, however, increase this insurance cover by taking out a company group accident insurance policy and thus provide more social security for employees.

The special thing about group insurance is that companies can obtain it for their employees at particularly favourable conditions. In particular, many costs can be saved compared to taking out individual policies. At the same time, the desired tariff details can usually be adapted very individually, which means that the company itself can decide which components the company group accident insurance should have. The benefits can include, for example, insurance benefits from a degree of disability of one percent or a lifelong monthly accident pension. The insurance cover can apply to accidents during working hours, but can also be extended to cover commuting accidents. Even the private sphere can be integrated with this type of insurance, which means that employees can receive comprehensive insurance cover.