Permanent disability add-on
Optional add-on for Alpenverein members for permanent disability over 50% caused by a leisure accident. Only members with paid / active membership for the current period can buy it.
Why add this cover?
After an accident leading to permanent disability over 50%, living costs can rise and income may fall. This add-on provides a lifetime monthly pension (€500–€1,500) or a lump-sum benefit (children, seniors).
Disability add-on categories
Person
aged 15 to 74
Disability over 50% – a lifetime pension paid once a month according to the annual fee.
| Fee | Pension |
|---|---|
| 10 € / year | 500 € / month |
| 20 € / year | 1 000 € / month |
| 30 € / year | 1 500 € / month |
Family
with children under 15
Disability over 50% – lifetime monthly pension for a parent; lump sum for a child and a senior parent.
Children over 15: are excluded from the family package – insure them as individuals.
| Family fee | Family member | Benefit |
|---|---|---|
| 35 € / year | Parent – adult under 74 | 500 € monthly |
| Child under 15 | 98 000 € lump sum | |
| Parent – senior over 74 | 12 500 € lump sum | |
| 70 € / year | Parent – adult under 74 | 1 000 € monthly |
| Child under 15 | 196 000 € lump sum | |
| Parent – senior over 74 | 25 000 € lump sum | |
| 105 € / year | Parent – adult under 74 | 1 500 € monthly |
| Child under 15 | 294 000 € lump sum | |
| Parent – senior over 74 | 37 500 € lump sum |
Child
under 15
Disability over 50% – benefit paid as a lump sum (not a lifetime monthly pension).
| Fee | Benefit |
|---|---|
| 10 € / year | 98 000 € / lump sum |
| 20 € / year | 196 000 € / lump sum |
| 30 € / year | 294 000 € / lump sum |
Senior
over 74
Disability over 50% – lump-sum benefit according to the annual fee.
| Fee | Benefit |
|---|---|
| 10 € / year | 12 500 € / lump sum |
| 20 € / year | 25 000 € / lump sum |
| 30 € / year | 37 500 € / lump sum |
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