If seniors have an accident, support in the household (e.g. when shopping or showering) can be very helpful afterwards – especially for single seniors. In order to be able to make use of such auxiliary services as the Malteser or Johanniter at low cost, a senior citizen accident insurance is ideal. Stiftung Warentest has taken a close look at 32 different tariffs for such insurances and can ultimately recommend 5 tariffs.
The Stiftung Warentest mentions the Exklusiv-Aktiv tariff of Signal Iduna and the protection letter of ARAG as particularly good and cheap offers. The offers of Allianz, Bayerische and ERGO offer somewhat more expensive, but also good services.
The experts from Stiftung Warentest have defined a minimum scope of services for the test, which includes Regularly includes an accompaniment to the doctor, help with shopping, a menu service or help with personal hygiene for a period of six months or more. Some tariffs also offer other services such as
Finally, Stiftung Warentest recommends that when taking out senior citizens’ accident insurance, it is essential to ensure that the insurance contract actually includes the most important help in the event of damage, i.e. that the auxiliary services are not only mediated, but also their costs are covered.