Accident of Life Insurance ᐅ comparison, price and quote online– Get a quote online

A bad fall, a cut or an injury are among the accidents of everyday life. However, these small accidents can turn out to be much more serious if not treated properly and can even cripple you for life! To face the risks of everyday life and protect yourself in the event of an accident, consider life accident insurance! Overview of guarantees, prices and useful tips before taking out accident-of-life insurance.


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The insurer's opinion

This “bodily accidents” or “individual accidents” guarantee is the only one to cover you in the event of disability or serious injury, resulting in physical incapacity (for example, loss of a limb: arm, leg, etc.) or any other violation of his physical integrity.

Life accident insurance comparator

Life accident insurance comparison
InsurerType of protectionPrice incl.VAT / month *
Amaguiz logo online home insurance quote

Essential protection

  • 30% disability threshold
  • Medical fees
  • Personal injury
  • Loss of income
  • Home furnishings
  • Attendance fees for a third party
  • Death guarantee: loss of affection, economic loss, loss of income and funeral costs
  • Assistance
  • Compensation ceiling of one million euros

€ 7.90 / month *

Reinforced protection

  • Disability threshold at 5%
  • Medical fees
  • Personal injury
  • Loss of income
  • Home furnishings
  • Attendance fees for a third party
  • Death guarantee: loss of affection, economic loss, loss of income and funeral costs
  • Assistance
  • Compensation ceiling of one million euros

€ 9.90 / month *

Allianz

Essential solo formula:

  • Assistance service following an accident
  • Legal support and defense of your rights
  • Compensation up to 2 million euros from 25% disability or in the event of death

€ 10.05 / month *

Optimal solo formula:

  • Assistance service following an accident
  • Legal support and defense of your rights
  • Compensation up to 2 million euros from 25% disability or in the event of death

€ 13.16 / month *

MMA logo

Formula 1 :

  • Compensation capped at € 200,000
  • Home help up to € 25,000
  • Development of the living environment up to € 15,000
  • Extra medical support
  • Assistance
  • Intervention threshold: 10% disability
  • Compensation capped at € 40,000 in the event of death

€ 3.67 / month *

Formula 2:

  • Compensation capped at € 400,000
  • Home help up to € 50,000
  • Development of the living environment up to € 30,000
  • Extra medical support
  • Assistance
  • Intervention threshold: 10% disability
  • Compensation capped at € 80,000 in the event of death

€ 6.17 / month *

Formula 3:

  • Compensation capped at € 1,000,000
  • Home help
  • Development of the living environment
  • Extra medical support
  • Permanent aesthetic damage
  • Loss of future professional earnings
  • Assistance
  • Intervention threshold: 1% disability
  • Compensation capped at € 1,000,000 in the event of death

€ 11.17 / month *

logo matmut

Complementary family:

  • Permanent incapacity: € 32,000
  • Death benefit: € 7,700

€ 1.53 / month *

Multi-risk accidents of life – 1:

  • Permanent incapacity: € 75,000
  • Hospitalization package: € 1,500
  • Loss of professional income: € 8,500
  • Suffering endured: € 32,000
  • Permanent aesthetic damage: € 32,000
  • Prosthesis and wheelchair costs: € 20,000
  • Adapted accommodation costs: € 60,000
  • Adapted vehicle costs: € 30,000
  • Death benefit: € 6,000 and € 2,000 in funeral costs

€ 7.07 / month *

Multi-risk accidents of life – 2:

  • Permanent disability: € 165,000
  • Hospitalization package: € 1,500
  • Loss of professional income: € 10,000
  • Suffering endured: € 40,000
  • Permanent aesthetic damage: € 40,000
  • Prosthesis and wheelchair costs: € 40,000
  • Adapted accommodation costs: € 70,000
  • Adapted vehicle costs: € 40,000
  • Death benefit: € 37,000 and € 3,000 in funeral expenses

€ 12.07 / month *

logo groupama

30% disability:

  • Death
  • Severe disability
  • Legal protection against accidents of life
  • Assistance included

€ 8.87 / month *

10% disability:

  • Death
  • Severe disability
  • Serious disability
  • Legal protection against accidents of life
  • Assistance included

€ 11.03 / month *

5% disability:

  • Death
  • Severe disability
  • Serious disability
  • Significant disability
  • Legal protection against accidents of life
  • Assistance included

€ 12.29 / month *

AG2R La Mondiale logo

Essential formula:

  • Death benefit: € 50,000
  • Disability (from 5%): 100,000 €
  • Assistance included

€ 9.50 / month *

Integral formula:

  • Death benefit: € 50,000
  • Disability (from 5%): 100,000 €
  • Assistance included
  • Hospitalization package: 50 € / day
  • Small accident package: € 100

€ 13.50 / month *

* Price at 11/05/2018, under conditions. Quote made for a single person, without dependent children and not playing high-risk sports.

Why buy life accident insurance?

The insurer's opinion

My advice: Don't save money on accidental life insurance! Whatever your family situation (single, married with or without children, etc.), protecting yourself against dangers and accidents to life is “strongly recommended”, because neither Social Security nor your complementary health organization will cover the costs. expenses related to your new disability (work in the home, adapted vehicle, cosmetic damage, etc.).

Most accidents categorized as accidents of life are not serious, and do not require hospitalization or emergency care. A simple visit to your doctor or pharmacist is usually enough to resolve the situation. This is the case, for example, with a minor fall from a bicycle or a slight cut.

However, accidents are much more serious, and require heavy care, see emergency hospitalization! While the medical costs directly related to your accident are largely covered by Social Security and possibly your complementary mutual, this is not the case for costs arising from the consequences of your accident.

Indeed, in the event of an accident resulting in a disability, partial or total incapacity of a limb or even paralysis, the costs generated by the after-effects remain your responsibility. And since most of the time these accidents are solely your fault, you cannot turn to a third party for compensation.

It is therefore important to take out life accident insurance that will protect you and cover your post-accident costs:

  • Arrangement of your environment: bringing the accommodation or vehicle up to disability standards;
  • Daily support and assistance: childcare, meal delivery, administrative assistance;
  • Other damages: loss of income, aesthetic damage, forced school reorientation, etc.

An accident of life guarantee covers only its policyholder, but you can choose to include your children or your spouse to your contract to give them the same protection.

The accidents of life in figures10 million: this is the number of domestic accidents occurring in France each year. According to the National Public Health Agency, 2% of these accidents, or some 20,000 per year, lead to the death of injured people.

Definition: What is Accident of Life Insurance or Accident of Life Guarantee (GAV)?

Life accident insurance protects you in the event of after-effects following an accident in your daily life. This guarantee is not not mandatory, but like any provident insurance, it is strongly recommended. In fact, your civil liability guarantee covers damage inflicted on others, but not on yourself.

An accident of life guarantee compensates you if you yourself were responsible for the accident, or if the person responsible is not identified. This insurance covers accidents in France, in Switzerland, in the European Union, but also in the rest of the world if the stay does not exceed a period of 3 months.

Accident-of-life insurance also compensates you in the event of moral, financial and aesthetic damage.

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The GAV label

Accident-of-life insurance has recently been the subject of a harmonization of its guarantees through the French Federation of Insurance Companies. Thus, insurers displaying the GAV label on their life accident insurance undertake to provide a number of minimum guarantees and a compensation ceiling which cannot be less than € 1,000,000.

The guarantees of the GAV label

Here is the list of minimum guarantees offered by GAV certified insurers:

  • Accommodation and adapted vehicle costs
  • Permanent assistance from a third party
  • Loss of professional earnings
  • Permanent functional deficit
  • Suffering endured
  • Permanent aesthetic damage
  • Loss of approval (inability to practice a sporting or cultural activity)

In the event of death, the accident-of-life guarantee also covers:

  • Funeral expenses
  • The prejudice of affection
  • Loss of family income
  • Miscellaneous expenses of relatives

Risks assumed

life accident insurance

Life accident insurance covers the consequences of an accident in your everyday life. By subscribing to a life accident guarantee, you are thus protected in the event of:

  • Domestic accident : burns, poisoning, injury during DIY or gardening, falling on your stairs, etc.
  • Recreational accident: during the practice of a sport (except extreme sport) or a leisure activity, a trip;
  • Natural or technological disaster: storm, avalanche, earthquake, fire, collapse;
  • Medical accident: medical error, inappropriate treatment, poor performance of an intervention
  • Attack and aggression

The intervention threshold

An accident of life insurance will compensate you in the event of a minor injury such as a sprain for example.

There is a very important criterion to take into account before subscribing to an accident of life insurance: the intervention threshold.

This threshold, measured by the rate of partial permanent disability (IPP) following an accident, determines from what point your insurance guarantees cover you.

The PPI assessment The degree of disability resulting from the accident is measured by a specialist doctor on a scale of 0 to 100%. The examination is done after all care has been completed and the disability will no longer change (called “consolidated health”).

In general, this intervention threshold is set at 30% by insurers, but some offer formulas starting from a 1% disability threshold.

To see more clearly, here is a table classifying the sequelae according to their degree of disability:

Disability rateAssociated sequelae
1 to 4%

Dizziness, difficulty breathing, incomplete extension of a limb

5 to 9%

Limited knee flexion, loss of a finger, 10% burn of the body

10 to 29%

Loss of vision in one eye, loss of hearing in one ear

From 30 to 59%

Paralyzed sciatic nerve, loss of hand

From 60%

Complete loss of hearing, complete quadriplegia high.

The exclusions of guarantees

Some accidents are not supported by life accident insurance, quite simply because they fall under specific regimes, or because their causes are excluded.

From exclusions from cover for life accident insurance, we find :

  • Road accidents: sometimes offered as an option in an accident-of-life policy, they are generally compensated by another type of personal insurance.
  • The practice of an extreme sport or considered dangerous: here again, insurers sometimes offer special packages for extreme sports practitioners, or paid options. But in most cases, dangerous sports practice is a prohibitive reason for taking out life accident insurance. Among these sports, we find motor racing, caving, or even scuba diving. It is the same for professional athletes!
  • Accidents linked to a professional activity: just like road accidents, accidents at work are covered by another insurance, and are therefore not covered by a life accident guarantee. Travel between home and work is also not insured.

Each insurer is free to exclude the guarantees it wishes. These exclusions must however be listed specifically in your contract, don't forget to read it carefully before signing it!

Watch out for compensation deadlines Legally, insurance companies have a maximum of 5 months to compensate you after your declaration of claim. However, there are no waiting periods for an accident-of-life guarantee: you are protected immediately after your subscription.

To find cheap life accident insurance, it is important to analyze the guarantees offered so as not to duplicate any other personal insurance.

It is also essential to compare guarantees and coverage levels offered by each insurer! Don't forget to review the warranty exclusions and the risks assumed.

So for find life accident insurance at the best price, it is strongly recommended to use a online insurance comparator. In a few clicks, you get dozens of personalized quotes according to your profile, and can study the offers directly from your home. In addition to saving time, you are guaranteed to benefit the best guarantees at the best price.

If you have already subscribed to a contract, you can rely on these quotes to play the competition and negotiate a better rate with your current insurer.

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