New ERGO accident cover: comprehensive benefits, flexible accident assistance, and digital claims processing

ERGO is launching new accident insurance coverage that is simple, flexible and customer friendly: even the basic cover offers comprehensive benefits. For example, customers receive full progressive benefits from as low as 70% disability. New and improved accident assistance benefits are tailored to the customer’s specific needs after an incident. Beneficiaries now no longer need to choose between daily assistance and rehabilitation assistance. The claims process has also been digitalised, allowing customers to file claims even more easily online. In case of minor injuries, they immediately receive daily hospital cash and injury payments.

ERGO’s new accident insurance now consists only of the Smart and Best product lines. The two products are simple and easy to understand, and they both offer the same broad basic cover. “We focused on customer satisfaction and reducing complexity when designing the new policies. We made sure that even the basic cover offers expanded benefits, so that customers are not met with any unpleasant surprises after an accident”, says Mathias Scheuber, Chairman of the Board of Management at ERGO Versicherung AG. “At the same time, we introduced quicker and more intuitive processes, for example in claims handling”, he added. ERGO's new accident cover received the highest rating of FFF from the renowned agency of Franke & Bornberg (http://www.fb-rating.de).

Broad basic coverage and additional components
The basic cover includes comprehensive benefits such as full lump-sum benefits as of 70% disability, the organisation and payment of up to €200,000 in rescue and recovery operations, as well as above-average benefits for plastic surgery at no additional premium. Customers can tailor the cover to their specific needs by choosing from a few intuitive and specially designed components. For example, for long-term security, customers can opt for a lifetime annuity from as low as 35% disability. Improved injury payments of up to €3,000 are available quickly in the case of minor injuries (even without long-term damage).

All-round protection with extremely flexible accident assistance
Our new accident assistance service is tailored to our customers’ needs. The “all-round” protection offers comprehensive benefits that will get you the help you need after an accident. All benefit restrictions, e.g. maximum hours, have been removed. Customers benefit from the various daily assistance services according to their needs – for up to nine months with the Plus package. “Our new assistance services mean that we can now offer ground-breaking all-round protection: our customers benefit both in their daily lives and while in recovery. It was particularly important for us to make sure that every customer gets the support that he or she needs after an accident. Nobody can predict the circumstances of a given accident or what its consequences will be. That is why assistance benefits have to be as comprehensive and flexible as possible,” says Dimitar Gouberkov, Head of accident-insurance management.

Digital claims handling
After an accident, customers can easily report their claim online or by telephone. As of June, the file-opening and claims-adjustment processes will become fully automated. At the same time, we will also be launching claims tracking: customers will be able to track the progress of their claim every step of the way. Automated processes will also ensure that hospital cash or injury benefits get paid out directly. In cases of serious injury with long-term consequences, an advance on the disability benefit will be quickly paid out wherever possible. Our consistent client focus also means that customers are not faced with unwieldy assessment processes, and that decisions are taken with them in mind. “Remaining focused on the customer was our goal when designing the product and our processes. We are there for our customers when they need us,” concludes Scheuber.

You can find our new accident insurance online at https://www.ergo.de/de/Produkte/Unfallversicherung.