Accident Insurance Rwanda in Comparison

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Accident Insurance Kigali & Rwanda

A slip-up in the household or a fall with the mountain bike: an accident happens quickly and can turn your entire life upside down. If you need a long rehab after a serious accident or expensive conversion measures in your own four walls are necessary, this can cause high costs. With such financial burdens, a private accident insurance supports you.

What is private accident insurance?

Accident insurance explained in simple way

For whom does private accident insurance make sense?

When does the accident insurance pay and when does it not?

What you should keep in mind when choosing a tariff

How much does accident insurance cost?

Accident costs and insurance benefits by degree of disability

Frequently Asked Questions

Online comparison at CheckNow

What is private accident insurance?

Private accident insurance protects you from the financial consequences of an accident. In the event of permanent accident damage, it pays out a fixed sum – optionally also a monthly pension.

The statutory accident insurance protects employees and children only in certain cases – for example, in the event of accidents at work, on the way to work or school or occupational diseases. According to figures from the Federal Institute for Occupational Safety and Health, however, only a 5th of all accidents (around 19 percent) occur during work or school hours, three quarters (66 percent) in leisure time or in the household. The statutory accident protection does not apply to such accidents.

In addition, unemployed, pensioners or self-employed personswho do not work as employees are usually not covered by the statutory accident insurance at all.

Private accident insurance, on the other hand, offers accident protection that applies worldwide and around the clock – both at work and in leisure time or on holiday. In principle, anyone can take outa private accident policy in order to extend their legal protection – there are exceptions only for particularly dangerous professions such as professional athletes or blasting masters.

Differences between statutory and private accident insurance

Statutory

Private

What is insured?

  • Accidents at work and on the way to work

  • Accidents on business trips

  • Occupational diseases

  • Accidents at work and on the way to work

  • Accidents on business trips

  • Accidents in leisure time

  • Accidents in the household

Coverage of accidents by frequency

less than 30 % of accidents *

worldwide and around


the clock Exception: dangerous war and crisis areas

Scope:
Where does accident insurance apply?

at
work throughout Germany in

addition:
work-related stays abroad

worldwide and around


the clock Exception: dangerous war and crisis areas

Who is insured?

Limited group of people:

  • Employee

  • Pupils and students during the events

  • Unemployed on their way to an interview

  • voluntarily insured self-employed and freelancers

Anyone can take out private accident insurance to close the gaps in legal protection:

  • Employee

  • Pupils and students

  • Self-employed and freelancers

  • Housewives and pensioners

  • Exception: dangerous professions (e.B. professional athlete or blasting master)

For whom does private accident insurance make sense?

A private accident insurance is basically useful for anyone who wants to close the gaps in the statutory accident protection.

It is particularly useful for the following people:

5

People who practice a hobby with a high risk of accidents

5

Independent

5

Housewives and housemen

5

People without a job

Dangerous hobbies

For hobbies with a high risk of accidents, you should check in advance whether they are also insured. Aviation or racing can only be covered in special tariffs, some insurances also cover diving damage.

Employees are protected in the event of accidents at work and on the way to life through the statutory accident insurance. In order to secure their income, they should take out occupational disability insurance if possible. If this is not possible due to pre-existing conditions, private accident insurance at least covers the risk of accidents.

When does the accident insurance pay and when does it not?

Private accident insurance pays if you suffer permanent physical impairments after an accident – such as being unable to move one leg or being blind in one eye. The health damage usually has to last for an expected period of three years or more for the insurer to pay. If the impairments are only temporary, there is no money.

It is also important that the damage was actually caused by an accident. By this, insurers understand an event that suddenly affects the body from the outside.

If, for example, you suffer from severe knee complaints that were triggered by years of incorrect loading, the accident insurance does not pay. Nor must the accident have been caused intentionally.

Good tariffs also work if the accident was caused by self-movement or increased effort. Then you are also insured if, for example, you bend over without external effect while running or tear a tendon when lifting heavy weights.

What you should keep in mind when choosing a tariff

If you take out private accident insurance, you should pay particular attention to these points when choosing a tariff:

Basic sum

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Progression

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Death sum

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Monthly accident pension

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Hospital daily allowance

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Salvage costs

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Other additional services

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

How much does accident insurance cost?

What a private accident insurance costs depends entirely on the desired insurance cover and the personal situation. Thus, the amount of the contribution depends on the insured basic sum and the progression. Additional benefits such as a monthly pension or a daily hospital allowance increase the contribution. In addition, age, occupation and any dangerous hobbies determine how expensive accident protection becomes.

Annual payment method saves money

If possible, pay the contributions annually. The accident insurance is then a few percent cheaper than with monthly payment.

For example, a 27-year-old specialist can take out a cheap accident insurance with a basic sum of 550,000 RwFr from around 6k RwFr per month (with a progression of 205 percent and a death sum of 50,000 RwFr).

 

Costs accident insurance: examples

Students (14 years)

Specialist (25 years)

Pensioner (65 years)

Basic sum

65,000 €

€100,000

€100,000

Progression

350 %

225 %

100 %

Death sum

5,000 €

5,000 €

5,000 €

Contribution per month *

from 2 €

from 5 €

from 5 €

There is no uniform tax for accident insurance, only a non-binding recommendation of the Rwandan Insurance Association. Each insurer determines the individual tax, so there are sometimes significant differences between the individual tariffs.

Therefore, make sure that important parts of the body are covered with the highest possible degrees of disability.

Frequently Asked Questions

Which additional services can be dispensed with?

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How high should the sum insured be?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

How can I change my existing accident insurance?

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Are there special rates for children or families with accident insurance?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Are there tariffs for different professions?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Is the accident insurance tax deductible?

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Compare accident insurance at CheckNow

Before taking out private accident insurance, you should compare as many rates as possible. The online comparison of CheckNow takes into account a total of 36 tariffs. This allows you to easily and conveniently find a suitable and inexpensive accident insurance and can save up to 35 percent on contributions!

 

Before taking out private accident insurance, you should compare as many rates as possible. The online comparison of CheckNow takes into account a total of 36 tariffs. This allows you to easily and conveniently find a suitable and inexpensive accident insurance and can save up to 35 percent on contributions!

 

Complementary Products

Child accident insurance

Occupational disability insurance

Term life insurance

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Frequently asked questions

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Advisor

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Lexicon

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Perticipating provider

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