Worries about corona vaccination: What good insurance against vaccination damage

Private insurance companies advertise accident insurance policies that are intended to financially cushion the health consequences of corona vaccinations. But: An insurance tariff only against corona vaccine damage is usually not advisable. Insurance companies play with people’s fears here.

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Since the start of the corona vaccination, many have been concerned with the question of how safe the vaccines are and whether there are health risks associated with a vaccination. In this environment, private insurance companies are increasingly promoting their accident insurance. These are intended to protect against the consequences of possible vaccine damage. But how useful are such insurances?

From our point of view, an insurance tariff only against corona vaccine damage is generally not advisable. Here insurance companies play with people’s fears of a corona vaccination.

Which insurances are required if I suffer damage from a vaccination?

In such a case, several insurance companies play a role. The Health insurancewhether private or legal, pays for the treatment costs. If the insured can no longer work as a result of a vaccine damage, the pays German pension insurance a disability pension. Even the private one Disability insurance takes effect in such a case.

Private accident insurance partially cover vaccination damage depending on the tariff. In the event of death, finally comes the Life insurance in the game. In addition: Since the corona vaccination is a recommended vaccination for the protection of the general public, injured parties can make claims against the Federal Republic of Germany after Federal Pension Act to have. Treating doctors and pharmaceutical companies may then also have to be liable.

How well do private accident insurance cover me?

The protection depends on the tariff. Anyone who has already taken out private accident insurance should carefully check the content of the contract. Many tariffs limit the protection to very specific vaccinations. These are then listed in the contractual conditions. It is important that the accident insurance only takes effect if as a result of a vaccination permanent damage to health be detected. How much the insurance pays then depends on the so-called Invaliditätsgrad from. So it is not about protecting against common vaccination reactions such as redness, fever or pain at the injection site.

Accident insurance is only required if the connection between the vaccination and a subsequent disability is proven. Since there are very few serious health complications as a result of vaccination and this is sometimes difficult to prove, it is not advisable to take out insurance for this specific case only.

Which insurances cover particularly well in the event of health consequences?

It is advisable to take out insurance that covers as many eventualities as possible. This includes, for example, private disability insurance. It protects against the loss of income, regardless of whether the incapacity for work is due to a serious illness, an accident or a rare vaccine damage. For example, if you are dependent on your earned income and want to protect yourself comprehensively against risks that threaten your existence, you are well advised to check out disability insurance.

Accident insurance does not cover damage caused by illness and often only pays out a one-off lump sum instead of a pension.

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