Disability lump sum
A single payment of up to 600,000 € for permanent disability — yours to use as you wish.
800+clients in Austria
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4languages DE · UA · RU · EN
§28MaklerG best advice
GISAlicensed insurance broker
An accident takes a second. Its consequences often take a lifetime.
The skiing accident in the Tyrolean Alps. The fall from a bicycle in Vienna. The staircase at home. Eight out of ten accidents happen in your free time — and statutory accident insurance in Austria applies only to accidents at work and on the way there.
Anyone left with permanent disability is often left alone with it. Private accident insurance pays a lump sum, the disability benefit, or a monthly annuity — and it pays regardless of who was at fault. It is not a vote of no confidence in life. It is a vote of confidence that you can keep living it, whatever happens.
Life is what happens while you are busy making other plans.
What you get with Wenexus.
Six promises we are happy to be measured against.
Progression scale
Higher disability leads to a disproportionately higher payout. 350% at 100% disability.
Daily benefit
A daily rate plus hospital cash while you are in hospital — with no waiting period.
24/7 worldwide
Skiing in Tyrol, a holiday on the Black Sea, hiking in the Carpathians — all covered.
Reconstructive surgery
Cosmetic reconstruction after an accident is included — up to 50,000 €.
Children included
Up to age 18. Sports club, school, kindergarten — automatically covered.
Three routes, three prices. One conversation.
We recommend the plan that fits your life — not the most expensive one.
Basic
from12€/month
- Included: Disability sum 50,000 €
- Included: 225% progression
- Included: Daily benefit 30 €/day
- Included: 24/7 worldwide
- Not included: Reconstructive surgery
- Not included: Children included
Comfort
Recommendedfrom22€/month
- Included: Disability sum 200,000 €
- Included: 350% progression
- Included: Daily benefit 60 €/day
- Included: Children included
- Included: Reconstructive surgery up to 25,000 €
- Not included: Accident annuity
Premium
from38€/month
- Included: Disability sum 500,000 €
- Included: 350% progression
- Included: Accident annuity for life
- Included: Reconstructive surgery up to 50,000 €
- Included: Hospital cash 100 €/day
- Included: Immediate payment 5,000 €
The exact premium depends on your age, your region, the insured object and your claims history. We will send you a PDF comparing the three best options — with no obligation to buy.
Four steps. In person. In your language.
Needs analysis
A 30-minute conversation — in German, Ukrainian or Russian. We understand your situation before we open a single plan.
Market comparison
We compare 15+ insurers on the scope of cover, the Selbstbehalt (deductible) and how they actually settle claims — not just on the premium.
Signing
You sign digitally or in our office. We take care of cancelling your old policy.
When you claim
We call the insurer. We translate. We represent you. That is best advice under §28 MaklerG.
Your plan. Within 24 hours. On a single page.
We compare 15+ insurers and send you a PDF — the three best options, honestly compared.
- A personal needs analysis — no bots
- A comparison of 15+ insurers
- A clear plan comparison on one page
- Advice in DE, UA, RU or EN
Voices from the diaspora.
„A fall while skiing in Schladming — a serious knee injury. 22,000 € in disability benefit, plus the daily payments. It carried our family through half a year.“
„My son broke his arm playing football — the immediate payment was in the account after 4 days. That was the Wenexus service.“
„I fell off the ladder — cleaning the windows at home. Six weeks in plaster, the daily benefit from day one. The statutory insurance would have paid nothing at all here.“
Answers in a language you understand.
Accident insurance pays a one-off lump sum after an accident that leaves you disabled, regardless of your profession. Occupational disability pays a monthly benefit because you can no longer do your job — usually through illness. The two complement each other; having both often makes sense.
For permanent disability of at least 1% under the Gliedertaxe scale, established by a medical assessment no later than 15 months after the accident. The daily benefit and hospital cash apply from the first day, with no waiting period.
It covers only accidents at work and on the way to work. Leisure sport, accidents at home, holidays, trips abroad — all excluded. That is precisely the gap private accident insurance closes.
As standard: yes, all common sports including skiing, snowboarding, cycling and riding. With a surcharge: diving below 40 m, climbing, parachuting. We check the specifics for you.
It is paid out to you. Yours to use freely — adapting your home, replacing lost income, supporting the family, physiotherapy, whatever you decide.
A standard table that assigns a percentage to each part of the body — losing a hand counts as 60%, an eye as 50%, for instance. The payout is the sum insured multiplied by the disability percentage and the progression.
We do not insure the worst that could happen — but the best that is still to come.
A policy you never want to use — but one that changes everything if the moment comes. From 12 €/month.
Free consultation · No obligation