Accident Insurance Austria 2025: Complete Guide to Private Unfallversicherung

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Important Notice: This guide is for general information purposes only and does not constitute individual advice. Prices, conditions, and offers may change at any time. Before purchasing insurance, we recommend checking current conditions directly with the respective provider.

Private Accident Insurance: Why It Matters

Did you know that statutory accident insurance only covers work-related accidents? However, most accidents happen during leisure time - while playing sports, at home, or on vacation. Private accident insurance (Unfallversicherung) fills this gap and provides financial protection for you and your family around the clock.

Statutory vs. Private Accident Insurance

What Statutory Insurance Covers

The statutory accident insurance (AUVA) in Austria only covers:

• Workplace accidents during working hours
• Commuting accidents (to and from work)
• Occupational diseases
• School accidents for students

What is NOT Covered

• Leisure accidents (sports injuries, falls at home)
• Household accidents
• Accidents on vacation
• Accidents for homemakers
• Accidents for self-employed outside work hours

Benefits of Private Accident Insurance

Benefit	Description	Recommendation
Disability Lump Sum	One-time payment for permanent impairment	Core benefit - essential
Accident Pension	Monthly payment for severe disability (from 50%)	Highly recommended
Death Benefit	Payment to dependents in case of accidental death	Important for families
Hospital Daily Allowance	Daily payment during hospital stay	Useful addition
Accident Costs	Rescue, recovery, and treatment costs	Recommended

Coverage varies by provider and plan.

Disability Level: How Is It Calculated?

The amount of disability benefit depends on the degree of permanent impairment. This is calculated using the so-called "limb schedule":

Examples of Disability Levels

Impairment	Disability Level
Loss of a thumb	20%
Loss of a hand	55%
Loss of a leg above the knee	70%
Loss of sight in one eye	30%
Loss of hearing in one ear	30%

Values are guidelines and may vary by insurer.

What is Progression?

With a progression scale, the benefit increases disproportionately at higher disability levels. Example with 225% progression:

• At 25% disability: 25% of the insured sum
• At 50% disability: 75% of the insured sum
• At 100% disability: 225% of the insured sum

Who Should Get Accident Insurance?

Especially Recommended For:

1. Homemakers - No statutory accident protection for housework
2. Families with Children - Children are not protected outside of school
3. Sports Enthusiasts - Increased risk of injury during sports
4. Seniors - Higher risk of falls, more severe consequences
5. Self-Employed - Protection outside working hours

Less Urgent For:

• People with comprehensive disability insurance
• People without financial dependents
• People with very high assets

Optional Additional Benefits

Depending on the provider, the following additional benefits may be included:

• Bone Fracture Lump Sum - One-time payment for bone fractures
• Pain Compensation - Daily payment for pain
• Cosmetic Surgery - Coverage for appearance corrections
• Worldwide Rescue Costs - Important for mountaineers and skiers
• Rehabilitation Costs - Therapy and rehab measures
• Rooming-in - Costs for accompanying person for children in hospital

What Does Accident Insurance Cost?

Costs depend on various factors:

• Age of the insured person
• Occupation (risk class)
• Hobbies (dangerous sports)
• Chosen insurance sum
• Scope of benefits
• Deductible

Guidelines for annual premiums:

• Single person, basic protection: from approx. €100-200/year
• Family with children: from approx. €200-400/year
• Premium plan with all extras: €400-600+/year

What to Look for When Comparing

Important Criteria

1. Insurance Sum - At least 3-5 annual salaries as disability sum
2. Progression - At least 225%, better 350-500%
3. Accident Pension - Monthly payment from 50% disability
4. No Exclusions - Some insurers exclude dangerous sports
5. Worldwide Coverage - 24/7 protection worldwide

Common Exclusions

• Accidents under the influence of alcohol or drugs
• Deliberately caused accidents
• War events
• Nuclear accidents
• Certain extreme sports (depending on plan)

Frequently Asked Questions

Do I need accident insurance if I have disability insurance?

Disability insurance (BU) and accident insurance complement each other. BU pays for inability to work (whether due to illness or accident), accident insurance pays for disability from accidents. Both can be useful.

Are children automatically covered?

No, children must be insured separately or included through a family plan. Look for special children's accident insurance with adapted benefits.

What's the difference from health insurance?

Health insurance pays treatment costs. Accident insurance additionally pays a capital benefit for permanent impairment.

When does accident insurance pay?

The insurance pays when a sudden external event affecting the body (accident) leads to permanent impairment (disability).

Conclusion

Private accident insurance is an important supplement to statutory coverage. It protects you and your family from the financial consequences of leisure accidents. Compare different providers to find the best value for money.

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Disclaimer: The information in this article is for general guidance only and does not constitute insurance advice. All information on prices, conditions, and benefits is non-binding and may change at any time. For binding information, please contact the respective insurers directly. CheckEverything.at assumes no liability for the currency, accuracy, and completeness of the information.