Frequently Asked Questions
- What is a personal accident?
- What kind of benefits will I receive if I am accidentally injured and suffer a disability?
- Am I covered for personal accident by my home insurance?
- Am I covered for personal accident by the Sécurité Sociale's health insurance?
- If another person caused me an accidental injury, wouldn’t they be responsible to pay for my injuries and loss?
Personal Accident Insurance in France
Regardless of where you live, accidents happen. Along with the physical and emotional trauma an accident can cause, it can also have serious, even devastating, financial effects on you and your family. While some accidents can’t be avoided, you can alleviate the financial burden that often accompanies them.Personal Accident Insurance Guide
Personal Accident Insurance provides protection with up to €1 million if you suffer death or a disabling injury as a result of any of the following events:
- Domestic accidents or accidents that occur in the home
- Accidents occurring during the pursuit of sports or leisure
- Medical accidents
- Acts of terror, battery, murders
- Natural disasters or technological catastrophes
Personal Accident Insurance Benefits
If you are injured as a result of a personal accident, payment of benefits will be based on the disability rate established by a medical doctor, after assessing the severity of your injury and degree of disability. The disability rate must be at least 10% or higher for your benefits to begin. Your lump sum benefits can then be used to compensate for:
- your financial loss and emotional distress
- the cost of modifying your home or your vehicle to suit your disability
- your personal injury and aesthetic injury
- funeral expenses in the event of death
- assistance in resuming a professional occupation
- emotional counseling
- funeral planning
- childcare or school support services if hospitalization is required
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