Compare and Purchase Accident Insurance

In addition to personal accident insurance, there is also group accident insurance. This can be purchased by an employer. Under a group accident insurance policy, the insurer pays a fixed amount in the event of an employee’s death or permanent disability following an accident. Of course, an employee can always have an accident—for example, if they slip on a slippery floor and break a leg, or if they fall down a flight of stairs and become permanently disabled as a result. However, the accident does not necessarily have to occur in the workplace. Employees are also insured while commuting between home and work. With some insurers, you can also opt for comprehensive coverage, under which employees are insured 24 hours a day, 7 days a week. In an increasing number of collective bargaining agreements, offering accident insurance is a mandatory requirement for employers.

Would you like to purchase accident insurance? If so, it’s important to start by comparing options. That way, you can easily find the best accident insurance. On Alpina.nl, you can compare accident insurance policies based on both price and quality. The coverage that best suits you depends on your personal situation. Are you taking out the policy just for yourself, or also for your partner or family? First, choose the type of accident insurance you want to purchase. Next, enter some personal information. Then you can start comparing. By making a comparison, you can easily compare policy terms and premiums from different insurers.

You can purchase accident insurance for yourself, but also for your entire family. Most accidents still happen at home—for example, from a fall in the bathroom, while doing home improvement projects, or due to a fire. If something truly serious happens, it’s reassuring to be well-insured. Imagine if a fire broke out in the kitchen and one of your family members suffered severe burns, leaving them permanently disabled. Not only will you face a lot of medical expenses, but you may also need to make modifications to your home. The costs for this can be very high. With family accident insurance, the insurer will pay you a fixed amount. What’s more, all members of your family are covered by the policy.

If you own your own business, you are not only an entrepreneur but also an employer. Whether you have just a few employees or a large number, an employee can always be involved in an accident. That is why, as an employer, you can purchase business accident insurance, also known as group accident insurance. With business accident insurance, the employee receives a one-time payment following a work-related accident.

These days, many people are working from home more and more often. This is also known as “the new way of working.” An increasing number of insurers are taking this into account, because employees can be involved in accidents even at home. That’s why people who work from home are insured not only at the office and while commuting, but also while working from home.

With most insurers, the following items are covered under accident insurance:

• Permanent disability resulting from an accident
• Death Due to an Accident
• Accidents, both at home and outside the home

With some insurers, you can insure against permanent disability and death separately. In that case, you can choose the insured amount for each.