Leisure accident insurance

The insurance coverage includes accidents that affect the insured persons during their free time - i.e., all accidents, according to the General Insurance Terms and Conditions, that are not covered by the statutory accident insurance. Accidents are also covered if the insured person does an internship in preparation for his or her profession, provided that this activity is part of the preparation for the exam. In case of doubt, the decision of the statutory accident insurance institution or the employers' liability insurance association is decisive. The insurance coverage begins with registration and ends when leaving the university (exam, doctorate, deregistration). Accidents during extreme sports are excluded.

As a rule, insurance coverage applies worldwide, although certain areas (including war and crisis zones) are excluded. Therefore, you should clarify this in good time before your stay abroad and, if necessary, take out private insurance. You can send an appropriate request to the insurance company via the information centres.

The prerequisite for benefits from the insurance provider is, among other things, that the Studierendenwerk is informed as soon as possible (within seven days) and that the accident is reported to the insurance company. Please complete and sign the accident report and hand it in to the respective information centre together with the necessary documents (e.g., enrolment certificate, refusal of statutory accident insurance, etc.). The Studierendenwerk will forward the documents to the insurance company. Should the insurance company require clarification or further documents, they will contact you directly.
Inform your parents and/or relatives so that they report the accident if you are unable to do so after the accident. To be on the safe side, also inform the statutory accident insurance or, in the case of an accident during an internship, the relevant employers' liability insurance association.