Hvad er forskellen på en personforsikring og en ulykkesforsikring?

En personforsikring er en samlet betegnelse for flere forsikringer, hvor ulykkesforsikringen er grunddækningen. Personforsikringen dækker hele dig og kan udvides med sygdoms-, tand- og sundhedsforsikring, mens en ulykkesforsikring typisk kun dækker skader ved ulykker.

Dækker personforsikringen også skader, der sker på arbejdet?

Ja, hvis du vælger en heltidsulykkesforsikring, dækker den hele døgnet, også skader der opstår i forbindelse med arbejde. Hvis du kun ønsker dækning i fritiden, kan du vælge en fritidsulykkesforsikring, som dog ikke dækker arbejdsskader.

Kan jeg få erstatning, hvis jeg får varige mén efter en ulykke?

Ja, personforsikringen giver økonomisk kompensation ved varige mén. Erstatningen beregnes ud fra méngraden og den forsikringssum, du har valgt, og du kan få forhøjet erstatning ved en méngrad på 30% eller derover.

Hvordan ved jeg, om jeg allerede er dækket af en kollektiv ulykkesforsikring?

Mange er dækket gennem deres arbejdsplads via en kollektiv ulykkesforsikring. Det er vigtigt at undersøge forsikringssummen og dækningen, da den ofte er lavere, og derfor kan en personforsikring være et vigtigt supplement for at sikre tilstrækkelig økonomisk tryghed.

hvad er en personforsikring

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