Personal Accident Insurance covers your own damages in the event of an accident in everyday life — fall, burn, disability. A key protection often underestimated, but vital for you and your loved ones.
A simple household accident can disrupt your daily life and seriously impact your budget. Yet, the Accident of Life Guarantee (GAV) remains little known by many households—even those with good insurance. Discover why this coverage is a real shield against everyday unforeseen events, and how it can effectively protect your entire family.
What is the Life Accident Guarantee (GAV)?
Personal accident insurance ( GAV ) is an insurance that compensates you in the event of a private accident — whether it's a fall at home, drowning, electrocution, an accident on a construction site, or burns. It covers disability costs, medical expenses not covered by social security, and can pay a lump sum or an annuity depending on the severity of the incident.
Why is this protection essential?
Falls & household accidents
Falls are one of the leading causes of serious injuries in the home — injury, disability, hospitalization.
Accidents often not covered.
Unlike liability insurance which covers damage caused to others, the GAV (Guarantee for Personal Accident) covers your own bodily injury , which is often excluded from other contracts.
Appropriate compensation
You receive a lump sum or an annuity in the event of partial or total permanent disability , or for specific expenses (home adaptation, personal assistance, etc.).
Who is the GAV for?
Individuals and families
Essential for children, the elderly, or anyone exposed to domestic hazards.
Professionals exposed
DIY enthusiasts, craftsmen or self-employed workers working from home: essential supplementary protection.
How to choose a good GAV?
1. Check the covered accidents
Make sure that the personal accident insurance (PAI) always covers mobility, sports activities, domestic accidents and everyday accidents .
2. Check the compensation levels
Prefer a GAV (Group Accident Insurance) that offers compensation for disability exceeding 5% , with capital or annuity benefits adapted to age and severity.
3. Compare the associated services
Some contracts include assistance services , such as home help, psychological support, or the adaptation of the dwelling to suit the needs of the resident.
Why take out this group accident insurance with KT Assur&Bank?
- Personalized solutions tailored to your profile (work, family, lifestyle)
- Customized capital or annuity : tailored to your coverage needs and budget.
- Human support : a dedicated advisor to guide you and explain the compensation mechanisms.
Conclusion
Accident insurance is often overlooked, yet it offers essential financial peace of mind in the event of a serious accident in daily life. In the face of such unforeseen circumstances, it can make all the difference between financial loss and serenity.
KT Assur&Bank offers you a tailored solution to protect you effectively, simply and quickly.