Premium calculation · Health

Personal accident insurance

The reference case costs from €112 to €136 depending on the company. From there, 2 tables with 8 bands in all raise or lower the price - the same steps at every company, a different height.

17companies in the model

2factor tables

112 – €136the basic example, from the cheapest estimate to the dearest

4optional covers

The reference case

Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.

Lump sum (€): 50,000
Occupation class: A - office, retail, professions
Age: 38

The tiers

The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.

Plan	Cheapest	Dearest	Spread
Death and disabilityPays the capital sum only.	€88Anytime	€105Allianz Ευρωπαϊκή Πίστη	+19%17 companies
With medical expensesPays the hospital bill as well. · the reference tier	€112Anytime	€136Allianz Ευρωπαϊκή Πίστη	+21%17 companies
With daily allowancePays an amount for each day off work as well.	€146Anytime	€180Allianz Ευρωπαϊκή Πίστη	+23%17 companies

The factors

The same bands at every insurer, different coefficients

Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.

Occupation class AnytimeAllianz Ευρωπαϊκή Πίστη

From × 1.00 to × 2.73 along the scale. Click a band or drag the control.

× 1,00

× 1.00× 1.00

class A

× 1.45× 1.24

class B

× 2.13× 1.60

class C

× 2.73× 1.92

class D

Try it: class A

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

Band	Anytime	Allianz Ευρωπαϊκή Πίστη
class A	× 1.00	× 1.00
class B	× 1.45	× 1.24
class C	× 2.13	× 1.60
class D	× 2.73	× 1.92

Age AnytimeAllianz Ευρωπαϊκή Πίστη

From × 1.00 to × 1.75 along the scale. Click a band or drag the control.

× 1,00

× 1.00× 1.00

18 – 45

× 1.08× 1.04

46 – 60

× 1.30× 1.16

61 – 65

× 1.75× 1.40

66 and over

Try it: 18 – 45

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

Band	Anytime	Allianz Ευρωπαϊκή Πίστη
18 – 45	× 1.00	× 1.00
46 – 60	× 1.08	× 1.04
61 – 65	× 1.30	× 1.16
66 and over	× 1.75	× 1.40

Rates on declared sums

Whatever is priced on a sum you declare, the value, the building, the capital, enters the price before the factors.

Cover	In tiers	Cheapest	Dearest
Death and disability lump sum, 0.1% on €50,000on €50,000	Pays the capital sum only., Pays the hospital bill as well., Pays an amount for each day off work as well.	1.23‰€61 · Anytime	1.4‰€70 · Allianz Ευρωπαϊκή Πίστη

Extra covers

A flat price a year, unless the tier already includes it.

Cover	Inside the tier	Cheapest	Dearest	Spread
Hospital cashA fixed sum for every night in hospital, whatever the state fund or your health insurance pays. Included in the full programme.	Pays an amount for each day off work as well.	€36Anytime	€46Allianz Ευρωπαϊκή Πίστη	+28%17 companies
Amateur sportFootball, skiing, mountain biking, diving. Most policies exclude them, and almost nobody notices until it matters.	-	€11Anytime	€14Allianz Ευρωπαϊκή Πίστη	+27%17 companies
Riding a motorcycleAn accident as the rider or passenger of a motorcycle. Often excluded in silence. If you own a bike, check this before any other term.	-	€16Anytime	€21Allianz Ευρωπαϊκή Πίστη	+31%17 companies
Funeral expensesA small sum paid at once, before the lump sum is settled. A few euro a year.	-	€8Anytime	€10Allianz Ευρωπαϊκή Πίστη	+25%17 companies

Minimum premium: from €27 to €35 depending on the company. No price falls below its own.