How much exactly accident insurance pays depends, among other things, on which part of the body was injured. What fingers, arms etc. are worth.
At first glance it seems strange: not every part of the human body is worth the same for accident insurance purposes. Accordingly, there is more money for certain injuries than for others. The so-called link tax is crucial for this.
An insurer uses this to determine how severe your disability will be if a certain part of your body is lost or no longer functions. For example, a big toe means five percent disability, an arm below the elbow joint means 60 percent. This is what it says in the model conditions of the General Association of the German Insurance Industry (GDV). However, individual insurers may vary.
According to the GDV, the following degrees of disability apply if you lose a body part or sensory organ or it is completely unable to function:
If you have only partially lost a part of your body or a sensory organ or if it is partially inoperable, the degree of disability will be calculated proportionately. The GDV gives an example of this in its sample bindings: “If an arm is completely unable to function, this results in a degree of disability of 70%. If its function is impaired by a tenth, this results in a degree of disability of 7% (= one tenth of 70%). .”
If other parts of the body or sensory organs have been permanently damaged in an accident, the degree of disability depends on the extent to which your normal physical or mental performance is permanently impaired. The benchmark is an average person of the same age and gender.
In addition to these sample values of the joint tax, the amount that your accident insurance pays out to you in the event of damage also depends on how high the insured sum is. The so-called progression and the course of progression also play a role.
The progression indicates how much the provider increases the insured sum depending on the case. If it is 500, the insurance will pay out up to five times the agreed amount. The progression curve shows how this value develops depending on the disability.
