Personal accident insurance

HEYME crash pack

There are only two cases of accidents for which the victim is systematically compensated for bodily injury: work accident (covered by your employer’s insurance) and the traffic accident (covered by the insurance of the offending vehicle).

For all other cases, you cannot be compensated for the damage suffered without having personal accident insurance.

Personal accident insurance: what is it?

In the event of an accident, whether you are responsible or not, whether a responsible third party is identified or not, your personal accident insurance will compensate you in the event of bodily injury.

Depending on your contract, it will cover:

  • Medical, surgical and pharmaceutical costs.
  • Financial damage: due to work stoppage or temporary or permanent incapacity.
  • Funeral expenses in the event of death: by paying a sum of money to the beneficiaries.
  • Rescue and repatriation costs
  • Part of the costs in the event of legal proceedings

HEYME crash pack

Personal accident insurance: how does it work?

There are two formulas:

  • The lump sum formula: the insurance pays you a lump sum in the event of an accident or the death of one of your relatives.
  • Common law: The amount of compensation depends on the degree of damage suffered, according to the terms of your contract.

Some of your insurance contracts may already include personal accident insurance:

  • All-risk car insurance
  • Insurance offered by sports clubs
  • school insurance
  • Professional insurance for non-employees
  • Life accident insurance

When does the individual accident not intervene?

It all depends on what is agreed with your insurer. Some insurance companies like HEYME cover your health expenses up to 100% of the actual costs in the event of an accident and compensate you in the event of subsequent disability.

To find out which guarantees are excluded from your personal accident insurance, read your contract carefully.

HEYME: your coverage in the event of an accident!

Even if you are careful on the road, accidents can happen! To cover your medical expenses, HEYME offers you the Accident Pack for only 6.5€/month !

👉 HEYME Crash Pack

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