A hospitalisation insurance pays medical expenses in case of admission to the hospital. An accident insurance, on the other hand, also provides financial compensation in the event of disability or death due to an accident.
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Private accident insurance
An accident can happen to anyone. A fall during sports, a domestic accident, or an incident during your free time can suddenly lead to medical expenses, loss of income, or lasting consequences.
With a private accident insurance policy, you are financially protected if you have an accident in your private life. The insurance provides compensation for physical injuries, temporary or permanent disability, and in some cases in the event of death. This ensures that the fallout from an accident is covered not only physically, but also financially.
The advisors at Van Dessel Insurance Brokers are happy to help you put together an insurance policy tailored to your personal situation and lifestyle.
What is a private accident insurance?
A private accident insurance is an insurance policy that provides financial compensation if you suffer physical harm as a result of an accident in your private life.
These are accidents that happen outside of work, for example:
- During sports or hobbies
- In and around the home
- In traffic as a pedestrian or cyclist
- During leisure activities
The insurance may cover, among other things:
- Medical expenses after an accident
- Temporary incapacity for work
- Permanent disability
- Death as a result of an accident 
A private accident insurance often complements other insurance policies and offers extra financial protection when an accident has long-term consequences.
What are the benefits?
Covers financial compensation for physical injuries caused by an accident.
Covers a benefit in case of temporary or permanent disability.
Covers medical expenses resulting from an accident.
Covers a capital sum in the event of death due to an accident.
Who is this insurance for?
A personal accident insurance policy is interesting for anyone who wants extra protection in the event of an accident, for example:
- Active families and athletes
- Self-employed people without extensive social protection
- People who want extra financial security
- Families with children
Because an accident can happen unexpectedly, many individuals choose this insurance as a supplement to their existing policies.
What is covered and what is not?
What is covered?
- Medical expenses following an accident
- Hospitalisation or treatment following an accident
- Temporary incapacity for work
- Permanent disability
- Death as a result of an accident
What is not covered?
- Accidents caused deliberately
- Accidents occurring whilst under the influence of alcohol or drugs
- Certain high-risk activities or extreme sports
- Injuries not resulting from an accident (e.g. illness)
How much does this insurance cost?
The premium for a personal accident insurance is determined based on several factors, such as:
- Your age
- Your profession and activities
- The chosen insured amounts
- Any additional coverage
Because the insurance can be highly tailored to your personal situation, the premium may vary. Together with you, Van Dessel will look for the formula that offers the right balance between coverage and premium.
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Family B. from Sint Niklaas
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Everyone has different circumstances, plans and priorities. That's why we start by listening to your story. Whether it's your home, family, mobility or financial future, we provide advice tailored to what matters most to you.
Expertise & experience
already 80 years in insurance
With more than 80 years of experience, we help you make the right choices in an increasingly complex insurance market. Our specialists analyse your needs and provide clear, independent advice, so you can look ahead with confidence.
Security & peace of mind
protection for today and tomorrow
We look beyond individual insurance policies and provide protection that evolves with your life. If the unexpected happens, you can count on a trusted partner to guide you from claim to solution.
Would you like to receive a quote?
Would you like to know which personal accident insurance policy is best suited to you?
The advisers at Van Dessel Insurance Brokers will be happy to help you with:
- An analysis of your personal risks
- A comparison of possible policies
- Advice on the correct levels of cover
This way, you can be sure you’re properly protected should an accident happen unexpectedly. Please feel free to request a no-obligation quote or a consultation.
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