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ERGO’s relaunched accident insurance product is setting new standards in customer centricity.
Three clearly structured product lines – “Basic”, “Smart” and “Best” – make it easy to get started, offering tailor-made insurance coverage to suit every need. A flexible structure allows both familiar and new modules to be added to the basic coverage, which features a generous package of benefits. One particular highlight is the new accident care module, which offers financial support if inpatient care is required after an accident.
The new product generation makes life particularly easy for our customers: benefits to suit all life needs thanks to a modular structure, digital processes – and the peace of mind that comes from knowing that we’ve got you covered after an accident.
Attractive benefits from day one
Even the basic package offers far more than usual:
Maximum lump-sum benefit starting at 70% invalidity
New: Immediate benefit in the event of very serious injury
Rescue and recovery is organised and the costs covered (up to EUR 200,000)
Cosmetic surgery after an accident – subject to no additional premium
The new “Basic” option for price-sensitive customers offers a lump-sum benefit starting at 20% invalidity. The “Smart” and “Best” options, on the other hand, do not stipulate any minimum degree of invalidity. Customers can also choose from several modules to suit their specific needs.
All-round protection with comprehensive accident assistance
The most popular module – ERGO Accident Assistance – is systematically geared towards policyholders’ day-to-day lives. Customers receive tailored assistance services from a home help service to childcare and help organising rehabilitation treatment. Assistance services can be agreed for a period of up to nine months, with cover provided for rehabilitation costs of up to EUR 150,000.
We know that every accident is unique, which is why our assistance package is as flexible as each individual’s need for help.
Optimised injury benefit module with the option of selecting an individual sum insured
Customers who opt for this module can now choose an individual sum insured of between EUR 1,000 and EUR 5,000.
New: Accident care module
Individuals requiring care already face co-payment charges of EUR 3,000 and more a month, with experts predicting further increases. With the new accident care module, ERGO now also offers financial support if individuals need nursing care after an accident. This benefit is provided regardless of age and without prospective policyholders having to answer questions about their health. Individuals who were already receiving nursing care prior to the accident receive a staggered allowance depending on the deterioration in their condition.
Needing care after an accident is a risk that many underestimate. Our new care module provides fast, customised protection with minimal red tape in this sensitive area.
Digital. Straightfoward. Fast: The claims process
The claims process is largely digitalised and automated to ensure maximum transparency and speed:
Online claims submission with immediate coverage check
Tracking function for claims processing
Advance payments for serious injuries
Systematic customer centricity isn’t just about the product, it’s about what an insurer does when it matters, namely when help is needed. This is precisely when we make things particularly easy for our customers.
Further Links and Downloads
Product brochure
Read our product brochure on the new ERGO accident insurance.
ERGO is one of the major insurance groups in Germany and Europe. The Group is represented in over 20 countries worldwide, with a focus on Europe and Asia. ERGO offers its retail and corporate customers a broad product portfolio in all the main classes of insurance as well as comprehensive assistance and other services. Three units operate under the umbrella of ERGO Group AG: ERGO Deutschland AG, ERGO International AG and ERGO Technology & Services Management AG. The German and international businesses as well as the global management of IT and technology services are organized in these units. About 37,000 people work either as salaried employees or self-employed sales representatives for the Group. In the 2024 financial year, ERGO generated insurance revenue of 20.8 billion euros and a net result of 810 million euros. ERGO is part of Munich Re, one of the world's leading reinsurers and risk carriers. More at www.ergo.com
This media information contains forward-looking statements that are based on current assumptions and forecasts of the management of ERGO Group. Known and unknown risks, uncertainties and other factors could lead to material differences between the forward-looking statements given here and the actual development, in particular the results, financial situation and performance of our Company. The Company assumes no liability to update these forward-looking statements or to conform them to future events or developments.
