Personal Accident Insurance Policy
Don’t fall!
Are you sure you’re
covered against
a bad accident?
Your Allianz contact will be happy to provide more information.
www.allianz.fr
To better protect yourself,
forget any preconceived notions
That if you are the victim of a personal accident caused by a third party,
it is a long and complicated process to secure compensation.
And if you are the sole liable party: you receive no compensation!
Did you think you were protected by your liability section in the householder’s all risks
policy?
False. It covers you against damage you can cause to others, but not those you sustain.
Is the Social Security System and your personal health insurance system enough to cover
you against personal accidents?
Allianz IARD
Company subject to the French Insurance Code
Société anonyme (joint stock company)
Registered equity of € 938,787,416
Head office: 87 rue de Richelieu 75002 Paris
Listed in the Paris Trade and Companies Register under No. 542 110 291
www.allianz.fr
No. They reimburse treatment, hospitalisation, medication, but do not take into
account economic, aesthetic or physiological injury.
The Personal Accident Insurance Policy overlaps with the Individual Accident policy!
False. The amounts paid by an Individual Accident policy are fixed, whereas
Personal Accident Insurance Policy compensation is calculated according to your
situation and all the factors that affect your personal and professional life.
Mondial Assistance France
The services in the assistance agreement signed by Allianz are implemented
by Mondial Assistance France, a simplified joint-stock company (société par
actions simplifiée), registered equity of €7,584,076.86, listed in the Paris Trade
and Companies Register under No. 490 381753 – head office: 54 rue de Londres
75008 Paris, insurance brokerage company, ORIAS registration No. 07 026 669
www.mondial-assistance.fr
Advertising material
COM16632 - V07/12 - Réalisation Alloscan (Groupe Amalthea) - Crédits photos : Photononstop - Getty Images - CDMP Allianz.
Did you know…?
For less than
€1.15 per day
Protect yourself and your family
from personal accidents even
if you are the one who is at fault.
Up to €1 million*
per person per accident
*
Allianz protects you against
the consequences
of personal accidents
Each year, 11 million people meet with personal accidents
in France.
Children, youngsters and seniors are the most at risk.
A bad fall, a burn, a bike accident, a traffic accident as a pedestrian,
a dog bite, etc. The examples are unfortunatelly all too frequent.
120,000 people suffer serious after-effects and 19,000 people
pass away as a result.
And in four out of five cases, the victim is the sole liable party
of the accident.
Instant coverage, simple process
Compensation for every event
The Allianz Personal Accident Insurance Policy protects you:
• At home: falls, burns, poisoning...
• In the street: traffic accidents when you are a pedestrian or cyclist, assaults...
• During your leisure activities: bathing, biking, walking...
• In the event of a medical accident (surgical intervention including medical accidents etc.)
• In natural disasters: floods, avalanches...
ss
• In the event of a technological accident: explosion in a factory...
e for le
Availabl
than
Personal accidents with occasionally heavy consequences
We do not always fully consider the potential consequences before
an accident occurs:
Disrupted family life, difficulty of continuing a professional activity
to the same degree, long-term suffering, inability to complete some
daily life activities by one’s self...
To cope with this issue: compensation of up to €1 million(1)
Thanks to the GAV(2) contract, Allianz can quickly compensate you
for the consequences of personal accidents for the consequences
caused due to a personal accident even when you are sole
liable party.
Compensation takes into account your personal situation
and the injury you have sustained, (economic, physiological,
suffering, etc.).
In the event of death, funeral costs and the economic and
psychological injury sustained by the family are taken into account.
For unforeseen injury we help you with your legal payments.
Whether single or in a family, the Allianz GAV policy
has been tailored to every profile:
Solo package
1.15
per day
Family package
• Simple enrolment, no medical questionnaire and available up to 64 years of age
• Instant coverage for your entire life, in France and in all EU countries (and worldwide for trips lasting less than three
months)
• Speedy compensation: claim payments as soon as disability is recorded before any determination of liability
or appeal proceedings.
Two packages to select the disability threshold above which you wish to be compensated:
• GAV Solo 25 %
• GAV Family 25 %
Compensation with 25 % disability threshold (e.g. loss of a hand, an arm, a leg, an eye, etc.)
• GAV Solo 5 %
• GAV Family 5 %
Compensation with 5 % disability threshold (loss of a thumb, paralysis of one side of the face, twisted knee)
Daily assistance, regardless of the package selected:
In partnership with Mondial Assistance.
Assistance services provided both when the accident occurs and afterwards
Dangerous sports:
(1)
(2)
Per person per accident.
Garantie des Accidents de la Vie (GAV) - personal accident
insurance policy.
Claire, 42
« I fell off the step ladder while trying to change a light bulb
at home. I suffered a dislocated ankle and foot.
I was injured on my own, but thanks to my GAV policy, I received
real compensation. It amounted to € 32,900 and took into account
not only my impairment (assessed at € 23,400 for an 18 % disability)
but also for my pain (€ 5,500) because I had to go through two
operations after the accident and each time I was worried I could
never walk again, along with aesthetic injury (€ 4,000) following the
two scars on my ankle. Today, with hindsight, I’m happy I planned
ahead because even for a fairly common accident I benefited from
psychological and financial support I would never have dreamed
of having before! »
If you regularly or occasionally participate in competitive or recreational underwater, airborne, or mechanical sports,
you can still be covered by paying a higher premium.
Mr. François B. was walking his dog when the leash got wrapped
around his legs. The result was a nasty fractured ankle with a 15 %
disability. Mr B. could not return to work after this accident.
GAV policy compensation was as follows: €153,000 taking into
account:
• Financial injury given its effect on his career
• Necessary remodelling of his bathroom to accommodate
his handicap.
Mr François B., 54