Premium calculation · Health
Personal accident insurance
In our own estimate, the basic example 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, at another height.
The prices are our own estimates, and they can be wrong. They are not offers or an official ranking, and we sell no insurance. The algorithm is public. Why
The prices of each company are our own estimate. They come from our own research of the market and our judgement as people of the industry. They are not a price that the company publishes. We can be wrong, and the order of the ranking is more reliable than the exact price. Only the company gives the real price, with all your details. None of the 17 companies gave us a price.
The reference case
The price of the example is the one the comparison shows for these answers: the base of each company, the rates on the sums insured, the factors and the extra covers of the example.
- Sum insured (€)
- 50000
- Occupation class
- A - office, retail, professions
- Age
- 38
- The reference tier
- With medical and hospital costs
- €112 - €136
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 and hospital costsPays the hospital bill as well. · the reference tier | €112Anytime | €136Allianz Ευρωπαϊκή Πίστη | +21%17 companies |
| With a daily amountPays an amount for each day off work as well. | €146Anytime | €180Allianz Ευρωπαϊκή Πίστη | +23%17 companies |
The factors
Every insurer has the same bands, but its own 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.
From × 1.00 to × 2.73 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| 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 |
From × 1.00 to × 1.75 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| 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 the sums insured
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 |
|---|---|---|---|
| Sum for death or disability: 0.1% of €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. Check whether your policy excludes them, before you need it. | - | €11Anytime | €14Allianz Ευρωπαϊκή Πίστη | +27%17 companies |
| Riding a motorbikeAn 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. | - | €8Anytime | €10Allianz Ευρωπαϊκή Πίστη | +25%17 companies |
Minimum premium: from €27 to €35 depending on the company. No price falls below its own.
Instalments: in two halves the year costs 7% to 8% more, and in four quarters 14% to 16%, by company.