What Does Your Private Accident Insurance Cost?
Premium by profession and age, invalidity benefit by base sum and progression — with a clear breakdown and hospital daily allowance option.
Insured person & profession
Cover
- Yearly premium
- €87.50
- Monthly premium
- €7.29
- Invalidity benefit
- €350,000
- Progression
- 350 %
- Hospital allowance surcharge (year)
- €0
Ad
Investing reimagined: invest, pay and save in one app.
Breakdown
| Category | Amount |
|---|---|
| Base sum insured | €100,000 |
| Progression | 350 % |
| Invalidity benefit at 100 % | €350,000 |
| Hospital daily allowance per day | €0 |
| Hospital allowance surcharge (year) | €0 |
| Total yearly premium | €87.50 |
Note: Premiums are average values for German private accident insurance (Unfallversicherung) tariffs in 2026. Actual premiums vary by insurer (HDI, Allianz, AXA, NÜRNBERGER, Die Bayerische), benefit definitions (Gliedertaxe), dynamic adjustments and self-employment clauses. Profession group has a major impact: manual work (group B) typically costs 60–100 % more than office work (group A). Rule of thumb: base sum = 4–6 × gross annual income with 350 % or 500 % progression.
Background
German Private Accident Insurance 2026: Base Sum, Progression and When It Pays Off
11 Min.