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SV SparkassenVersicherung SV für Veranstalter: the policy wording in full
Zusatzbedingungen zur Gruppenunfallversicherung für Veranstalter mit oder ohne Namensangabe, jährliche Stichtagsmeldung und gemeinsamen Höchstsummen je Unfall; Leistungen richten sich nach den AUB des Hauses, die hier nicht vorliegen.
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Everything about this policy
What the policy covers: 64 points, each with its clause
Contract form and insured persons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form (named, unnamed, groups of persons, flat rate by payroll or headcount) | yes | „Die Gruppen-Unfallversicherung kann mit oder ohne Angabe der Namen der versicherten Personen abgeschlossen werden.“ | Vorbemerkung, page 1 |
| Insurable persons (employees, owners, family members working in the business, apprentices, temporary staff, club members, volunteers) | yes | „Versicherungsschutz besteht für die Personen, die der im Vertrag bezeichneten Gruppe angehören.“ | 1.1, page 1 |
| New persons covered automatically (provisional cover, notification period) | yes | „Für die hinzukommenden Personen besteht Versicherungsschutz im vereinbarten Umfang ab Eingang Ihrer Anmeldung bei uns.“ | 2.2, page 1 |
| End of cover when leaving the company or club | yes | „Der Versicherungsschutz der einzelnen versicherten Person erlischt, wenn sie aus dem mit Ihnen bestehenden Dienstverhältnis oder aus der Vereinigung ausscheidet.“ | 1.5, page 1 |
| Right of the insured person to continue cover as an individual policy after leaving | not addressed | ||
| Who exercises the rights and who is paid (policyholder or insured person, direct claim) | not addressed | ||
| Maximum age or change of benefits from a certain age | not addressed | ||
| Uninsurable persons (persons in need of care, serious illness, clause and consequences) | not addressed |
Time and place of cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Around the clock (work and leisure) or occupational accidents only | not addressed | ||
| Territorial scope (worldwide, limits on longer stays abroad) | not addressed | ||
| Commuting accidents between home and workplace (with occupational cover only) | not addressed | ||
| Business trips, company events, company sports | not addressed | ||
| Club events, training, competitions and travel to them (club version) | not addressed |
Permanent disability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Basic sum insured for permanent disability per insured person | yes, up to the sum insured | „Sind mehrere durch diesen Gruppenversicherungsvertrag versicherte Personen von einem Unfall betroffen, so gelten folgende Beträge als gemeinsame Höchstversicherungssummen für alle Versicherten“ | 4, page 1 |
| Disability table: arm (percentage) | not addressed | ||
| Disability table: hand at the wrist (percentage) | not addressed | ||
| Disability table: thumb and index finger (percentage) | not addressed | ||
| Disability table: leg and foot (percentage) | not addressed | ||
| Disability table: eye (percentage) | not addressed | ||
| Disability table: hearing in one ear (percentage) | not addressed | ||
| Progression (higher payout at high disability degrees, scale) | not addressed | ||
| Contribution of pre-existing illness (percentage from which benefits are reduced) | not addressed | ||
| Deadlines for occurrence and medical certification of disability | not addressed | ||
| Deadline for claiming disability | not addressed | ||
| Reassessment of the degree of disability (period, who may request it) | not addressed | ||
| Minimum degree of disability for a payout | not addressed |
Further benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Accidental death benefit | yes, up to the sum insured | „25.000.000 EUR für den Invaliditäts- und/ oder Todesfall“ | 4, page 1 |
| Daily allowance for incapacity to work (amount, duration, waiting period) | yes, up to the sum insured | „100.000 EUR für Tagegeld“ | 4, page 1 |
| Hospital daily benefit (amount, maximum duration) | yes, up to the sum insured | „100.000 EUR für Krankenhaustagegeld mit Genesungsgeld“ | 4, page 1 |
| Convalescence benefit after hospital stay | not addressed | ||
| Accident annuity (from which degree of disability) | not addressed | ||
| Transitional benefit for prolonged impairment | yes, up to the sum insured | „100.000 EUR für Übergangsleistung/ verbesserte Übergangsleistung“ | 4, page 1 |
| Medical costs, dental prostheses, aids (where no other payer covers them) | not addressed | ||
| Search, rescue and repatriation costs | yes, up to the sum insured | „100.000 EUR für Bergungskosten“ | 4, page 1 |
| Cosmetic surgery after an accident | yes, up to the sum insured | „100.000 EUR für Kosten für kosmetische Operationen“ | 4, page 1 |
| Immediate payment for severe injuries or fractures | yes, up to the sum insured | „100.000 EUR für Sofortleistung bei Schwerverletzungen“ | 4, page 1 |
| Rehabilitation management, help with return to work | not addressed |
Definition of accident and extensions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Injuries from increased exertion or own movement | not addressed | ||
| Damage from gases, vapours, substances (sudden, also at the workplace) | not addressed | ||
| Infections from accident injuries, tick bites, insect stings | not addressed | ||
| Spinal disc damage and abdominal hernias | not addressed | ||
| Heart attack and stroke | not addressed | ||
| Psychological reactions after an accident (also assault at work) | not addressed | ||
| Disturbances of consciousness, alcohol (blood alcohol limit), seizures | not addressed | ||
| Occupational diseases (expressly excluded or included) | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Motor sport and racing | not addressed | ||
| Aviation (passenger, pilot, parachute, hang gliding) | not addressed | ||
| Passive war risk and civil unrest | not addressed | ||
| Nuclear energy and radiation (exception for occupational X-ray and radiation work) | not addressed | ||
| Excluded or surcharged activities (risk groups, work at height, explosives, diving) | not addressed | ||
| Accidents while committing a deliberate criminal offence | not addressed |
Contract, premium and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium basis (headcount, payroll, membership, risk group) and adjustment | yes | „Aufgrund Ihrer Angaben wird der Beitrag rückwirkend zur letzten Hauptfälligkeit angepasst.“ | 1.4, page 1 |
| Policyholder's reporting duties (additions and departures, annual statement) | yes | „Wir werden Sie nach Ablauf eines jeden Versicherungsjahres auffordern, uns die Anzahl der versicherten Personen … in Form einer Stichtagsmeldung“ | 1.3, page 1 |
| Change of occupation or risk group of an insured person | not addressed | ||
| No offsetting of statutory accident insurance benefits (employers' liability insurance associations, AUVA, Seguridad Social) | not addressed | ||
| Indexation or adjustment of sums insured | not addressed | ||
| Obligations after the accident (notification period, doctor, documents) | not addressed | ||
| Term, renewal and cancellation (also after a claim) | yes | „Wir oder Sie können den Versicherungsschutz der einzelnen versicherten Person durch schriftliche Mitteilung Ihnen gegenüber beenden, … wenn wir nach einem Unfall eine Leistung für sie erbracht haben oder gegen uns Klage auf eine Leistung erhoben worden ist.“ | 3.1, page 1 |
Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover meets the mandatory benefits of the collective agreement (convenio colectivo), adjustment for a new agreement | not addressed | ||
| Absolute permanent disability and severe disability as lump sum | not addressed | ||
| Total permanent disability for one's own occupation | not addressed | ||
| Assessment by baremo (policy table or statutory table) | not addressed | ||
| Funeral costs | not addressed | ||
| Extraordinary risks via the Consorcio de Compensación de Seguros | not addressed |
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.
Policy wordings and provider
- Legal entity
- SV SparkassenVersicherung Gebäudeversicherung Aktiengesellschaft
- Distribution
- through tied agents
- Zusatzbedingungen Gruppen-Unfallversicherung für Veranstalter (Rahmenvertrag BDMV) Edition: ZB Gruppen-UV, Druck 23-975-0108, ohne Datum Original from the insurer (PDF, German)
Full text of the wording
Converted from the insurer's PDF, page numbers in square brackets. Tables may have shifted; if in doubt, the original applies. As text (Markdown)