The accident insurance for seniors
Accident insurance is also an important form of protection for senior citizens. Because older people in particular are exposed to a higher risk of accidents. However, it is important that the contracts offered can meet certain minimum requirements, which you should definitely pay attention to when making a comparison.
What minimum benefits the accident insurance should include
In the Accident insurance For seniors, emphasis should be placed on other priorities than for one insurance is the case for younger people. Certain services should definitely be recorded in the contract.
- A very important aspect of insurance for older people is that the insurer pays for all assistance that may be necessary after an accident. For example, older people need household help or aids such as walking aids or a wheelchair much more often than younger insured persons after an accident.
- Also important is the duration for which the insurer the costs for assistance. We recommend insurances that guarantee that the costs will be covered for a period of at least half a year (after the damage event).
- Another minimum requirement is the so-called cleaning and laundry service, the costs of which are borne by the insurer. The service content could be, for example, that the costs for a domestic help are covered, for example, once a week for three hours cleaning, washing and ironing.
- The installation of a home emergency call service can also be very important so that the elderly insured person receives immediate help if necessary. Since these devices are not quite cheap, care should be taken that the insurer will assume this cost.
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What services seniors should pay attention to
In addition to the minimum requirements mentioned, there are other useful benefits that should not be missing from accident insurance for seniors.
- In the course of accident insurance, you should also ensure that care benefits are insured, at least for care level 1. After an accident, it is not uncommon for older people to be in need of care, at least temporarily. The insurance could then, for example, cover the cost of 45 minutes of basic care a day.
- Organizing help is very important for many older people. For example, where will the pet be housed if the insured person is temporarily unable to look after the animal himself after an accident? How should the apartment or the car be converted or to be changed? All of these and other questions require advice and a solution, which of course involves costs.
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