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Personal accident insurance (private Unfallversicherung) in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 78 points and the full text.

Provider and tariff Progression 350% Tick bite Hernias Immediate payment Fracture benefit Rescue costs
BarmeniaGothaerBarmenia Premium-SchutzTake out yesZiffer 4.4, page 14 yesZiffer 3.18.1.2 a), page 13 yesZiffer 1.4.5 a), page 7 yes, up to EUR 25,000Ziffer 3.4.1, page 10 yes, up to EUR 5,000Ziffer 4.2, page 14 yes, up to the sum insuredZiffer 3.2.3, page 10
degeniaT17 classicTake out yesBedingungen progressive Invaliditätsstaffel 2, page 22 yes, up to the sum insuredZiffer 1.5.2, page 9 yes, up to the sum insuredZiffer 5.2.7, page 14 yes, up to the sum insuredZiffer 2.12.3.1, page 12 not addressed yes, up to the sum insuredZiffer 2.9.1.1, page 11
degeniaT17 optimumTake out yesBedingungen progressive Invaliditätsstaffel 2, page 22 yes, up to the sum insuredZiffer 1.5.2, page 8 yes, up to the sum insuredZiffer 5.2.7, page 13 yes, up to the sum insuredZiffer 2.13.3.1, page 11 not addressed yes, up to the sum insuredZiffer 2.10.1.1, page 10
GothaerKlassikTake out yesLeistungsübersicht, page 6 yes, up to the sum insured§ 1 Ziffer 1.4.4, page 11 yes, up to the sum insured§ 1 Ziffer 1.4.1.1, page 9 yes, up to the sum insured§ 3 Ziffer 3.1.2, page 19 yes, up to the sum insuredLeistungsübersicht, page 8 yes, up to EUR 50,000§ 3 Ziffer 3.2.2, page 20
GothaerPlusTake out yesLeistungsübersicht, page 6 yes, up to the sum insured§ 1 Ziffer 1.4.4, page 11 yes, up to the sum insured§ 1 Ziffer 1.4.1.1, page 9 yes, up to the sum insured§ 3 Ziffer 3.1.2, page 19 yes, up to the sum insuredLeistungsübersicht, page 8 yes, up to EUR 100,000§ 3 Ziffer 3.2.2, page 21
GothaerSparTake out yesLeistungsübersicht, page 6 yes, up to the sum insured§ 1 Ziffer 1.4.4, page 9 yes, up to the sum insured§ 4 Ziffer 4.2.6, page 24 yes, up to the sum insured§ 3 Ziffer 3.1.2, page 16 yes, up to the sum insuredLeistungsübersicht, page 7 yes, up to EUR 10,000§ 3 Ziffer 3.2.2, page 17
HanseMerkurBest GoldTake out yesZiffer 2.1.3.3, page 20 yes, up to the sum insuredZiffer 5.2.4.1, page 50 yes, up to the sum insuredZiffer 1.4.1, page 14 yes, up to EUR 20,000Ziffer 2.14.2, page 32 yes, up to EUR 1,000Ziffer 2.26.2, page 40 yes, up to EUR 1 millionZiffer 2.10.1, page 30
HUK-COBURGClassic und Classic PlusTake out not addressed yes, up to the sum insuredA 2.4.2 a, page 8 yes, up to the sum insuredA 2.2.1 a, page 7 yes, up to EUR 20,000A 3.4.2, page 10 yes, up to EUR 1,500A 4.3.5 a, page 14 yes, up to EUR 50,000A 4.1.3, page 11
INTERPremiumTake out yesBB Progression 2008 350 Prozent, page 24 yes, up to the sum insuredAUB 1.3.8, page 2 yes, up to the sum insuredAUB 1.4, page 3 yes, up to EUR 10,000BB Sofortleistung bei Schwerverletzungen, page 28 yes, up to EUR 200AUB 2.4.4, page 5 yes, up to the sum insuredBB Unfall-Service 2008, page 16
JanitosMulti-Rente BalanceTake out not addressed yes, up to the sum insuredZB C 1.16, page 25 yes, up to the sum insuredZB C 1.16 (Kinder, gleichlautend für Erwachsene), page 14 not addressed not addressed not addressed
JanitosBalanceTake out yesZB 2.1.1.4 b), page 8 yes, up to the sum insuredZB 1.6, page 7 yes, up to the sum insuredZB 1.4, page 7 yes, up to EUR 15,000ZB 2.2.14, page 13 not addressed yes, up to EUR 100,000ZB 2.2.1 c), page 10
JanitosBasicTake out yesZB 2.1.1.4 b), page 8 yes, up to the sum insuredZB 1.6, page 7 yes, up to the sum insuredZB 1.4 c), page 7 yes, up to EUR 10,000ZB 2.2.11, page 11 not addressed yes, up to EUR 20,000ZB 2.2.1 c), page 10
JanitosBest SelectionTake out yesZB 2.1.1.4 b), page 9 yes, up to the sum insuredZB 1.6, page 7 yes, up to the sum insuredZB 1.4, page 7 yes, up to EUR 20,000ZB 2.2.15.1, page 13 yes, up to EUR 250ZB 2.2.16, page 14 yes, up to EUR 1 millionZB 2.2.1 c), page 11
NeodigitalNEO STake out yes19NEO-09, page 14 not addressed yes, up to the sum insuredZiffer 5.2.7, page 9 not addressed not addressed yes, up to the sum insuredZiffer 2.8.2, page 8
NVUnfallversicherungTake out not addressed noZiffer 5.2.4.1, page 4 noZiffer 5.2.7, page 4 not addressed not addressed not addressed
R+VUnfallPoliceTake out yesR+V BB Progression 350, page 48 yes, up to the sum insuredZiffer 5.2.4, page 22 not addressed yes, up to EUR 10,000R+V PremiumPlus Nr. 8, page 61 yes, up to EUR 300R+V PremiumPlus Nr. 9, page 62 yes, up to the sum insuredZiffer 2.10.1, page 16
uniVersaExklusivTake out not addressed yes, up to the sum insured1.4.4, page 17 yes, up to the sum insured5.2.5, page 23 yes, up to the sum insured2.2.3, page 19 yes, up to the sum insured2.16.1.2, page 22 yes, up to the sum insured2.10, page 21
uniVersaKomfortTake out not addressed yes, up to the sum insured1.4.4, page 5 yes, up to the sum insured5.2.5, page 11 yes, up to the sum insured2.2.3, page 7 yes, up to the sum insured2.16.1.2, page 10 yes, up to the sum insured2.10, page 8
uniVersaVitalTake out not addressed yes, up to the sum insured1.4.4, page 31 yes, up to the sum insured5.2.5, page 36 not addressed yes, up to the sum insured2.3.1, page 33 yes, up to the sum insured2.1.5, page 33
uniVersaVitalplusTake out not addressed yes, up to the sum insured1.4.4, page 41 yes, up to the sum insured5.2.5, page 46 not addressed yes, up to the sum insured2.3.1, page 44 yes, up to the sum insured2.1.6, page 43
VHVKLASSIK-GARANTTake out yesZB 350 %-Progression, page 79 yes, up to the sum insuredBB KLASSIK-GARANT Ziffer 5.2.3, page 46 yesBB KLASSIK-GARANT Ziffer 1.9, page 40 yes, up to EUR 10,000BB KLASSIK-GARANT Ziffer 3.5, page 43 yes, up to EUR 200BB KLASSIK-GARANT Ziffer 3.4, page 43 yes, up to EUR 75,000BB KLASSIK-GARANT Ziffer 3.2, page 42
VPVUnfallversicherungTake out yesZiffer D 2, page 28 yes, up to the sum insuredZiffer B 5.2.4, page 18 yes, up to the sum insuredZiffer B 1.4.6, page 10 yes, up to EUR 10,000Ziffer D 7.1, page 32 yes, up to the sum insuredZiffer D 8.3, page 33 yes, up to the sum insuredZiffer B 2.8.1, page 15
WürttembergischePremiumSchutzTake out yesBB Progression 350, page 2 yes, up to the sum insured5.2.4, page 17 yes, up to the sum insured1.4.2, page 3 yes, up to the sum insured2.2.5.2, page 10 yes, up to the sum insured2.2.7.2, page 9 yes, up to the sum insured2.2.13.3, page 11

Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 78 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • ADAC
  • Allianz
  • ALTE LEIPZIGER
  • ARAG
  • BGV
  • Continentale
  • CosmosDirekt
  • DEVK
  • DFV
  • die Bayerische
  • Die Haftpflichtkasse
  • Interlloyd
  • InterRisk
  • LVM
  • MÜNCHENER VEREIN
  • MVK
  • Ostangler
  • SV Sachsen
  • Versicherungskammer Bayern
  • Waldenburger
  • Zurich

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

JSON CSV (Excel)

Your broker: Norman Nammert, trading as NAMMERT.

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It does not arrange your contract.

Statutory disclosure (German) · Updated