Voluntary Accident Insurance: Who Qualifies and What You Get

This scheme provides accident coverage for self-employed individuals who are not covered by an employer's insurance plan.

👤Who it's for

This insurance is specifically designed for self-employed individuals. It is intended for those who work for themselves and are not covered by an employer's existing insurance arrangements. If you are managing your own business or freelance work and do not have a company-provided plan, this scheme is intended for you.

🎁What you get

The benefits focus on two main areas of protection following an accident. First, it provides coverage for medical costs that arise as a result of an accident. Second, it provides coverage for lost income. This is designed to help bridge the financial gap if an accident prevents you from working and earning your usual income.

💰What it costs you

To maintain this coverage, you must pay annual premiums. The cost is not a flat rate for everyone; instead, the amount you pay depends on your specific risk class. Your risk class is determined by the nature of your professional activities and the level of danger associated with your specific type of work.

⚠️The catch to know

It is important to understand that standard mandatory health insurance does not cover occupational accidents. While your regular health insurance may cover some medical needs, it does not provide the same protections for accidents that occur during your work. You need this specific extra coverage to ensure you are protected against the financial impact of occupational accidents.

📝How to apply

1. Identify your professional activities to understand which risk class you fall into.
2. Contact the issuing body to inquire about the specific requirements for your occupation.
3. Request a calculation of your annual premiums based on your specific risk profile.
4. Complete the registration process to ensure your coverage is active.