Accident insurance

Why social security is not enough

In Luxembourg, the Accident Insurance Association (AAA) covers accidents at work and accidents on the way to or from work. For the rest of life, at home, on holiday or playing sport, the CNS (National Health Fund) reimburses part of the care, but no lump sum is paid if the accident leaves you with a disability.

Yet a disability, even a partial one, is expensive: adapting a home, adapting a car, reducing working hours. This is exactly what personal accident insurance covers.

What the insurance can cover

• Disability lump sumAn amount paid according to the degree of permanent disability, to help you cope with changes in your life.
• Death benefitFinancial support for your loved ones if the accident is fatal.
• Medical expensesThe part of care, hospital stays or rehabilitation that you have to pay yourself.
• Daily allowanceDepending on the cover, a sum for each day in hospital or unable to work.

Who is it for?

• Families: children do not work, so they are only covered by the AAA at school. At the park, on holiday or at the sports club, accident insurance protects them.
• Sports players, whether amateur or regular, and anyone who does DIY, gardens or heads to the mountains.
• Self-employed people, whose income stops when they can no longer work.
• Retirees, for whom a fall can quickly put their independence at risk.

Choosing the right amounts

The right lump sum depends on your situation: your income, your outgoings, the number of people who depend on you. Together, we work out an amount that makes sense, rather than a random figure. A family plan can cover the whole household in a single contract.

Frequently asked questions

Is my accident at work covered?

Accidents at work and on the commute fall first under the AAA. Depending on the cover you choose, easyPROTECT Accident insurance can step in as a supplement. We check with you what your contract provides.

Are high-risk sports covered?

Everyday sports are. Some dangerous sports, or sports played competitively, may be excluded or require an option. Tell us which ones you play before you sign.

From what age can you take out cover?

Children can be covered from a very young age, usually under a family plan. For older people, age limits may apply when taking out the policy: we will tell you what they are.