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Loss of finger, minor limitations
€25,000 payout
Loss of hand, vision impairment
€75,000 payout
Loss of leg, severe brain injury
€150,000 payout
Paraplegia, blindness
€200,000 payout
Calculation Example: Basic sum €200,000 × Disability percentage = Payout amount
Higher sums available: €300,000, €500,000, €1,000,000+
Calculate 5-10x your annual net income. For €40,000 income, consider €200,000-400,000 benefit. This should cover lost income and adaptation costs for several years.
Lump sum provides immediate capital for home modifications and investments. Pension provides guaranteed monthly income. Many experts recommend lump sum for flexibility and inflation protection.
Only if the accident independently causes or significantly worsens the condition. Pure deterioration of pre-existing conditions isn't covered. Health questions are required for adults.
Most insurers require reporting within 48-72 hours for optimal processing. For disability claims, medical evaluation must typically occur within 12-15 months after the accident.
Only if resulting from a covered physical accident. Pure psychological trauma without physical injury is typically excluded. Some policies offer limited coverage for accident-related PTSD.
Yes, but may require new health questions. Some policies offer guaranteed increase options for life events (marriage, children, income increases) without additional medical underwriting.