Certain accidents of daily life during mundane activities, gardening, sports, cooking, DIY, although very frequent, without a responsible third party, can only be covered by a Life Accident Guarantee (GAV).
The insured victim or his family will then be compensated for the consequences and after-effects of the accident, which are only partially covered by compulsory social protection schemes.
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What accidents are covered by Life Accident Guarantee (GAV) insurance?
The risks covered by Life Accident Guarantee (GAV) insurance are numerous and common:
The GAV will cover damage caused to the insured, and possibly to his or her loved ones, without an identified responsible third party, following everyday accidents or certain specific events:
domestic accidents in everyday life, cooking, DIY, leisure activities, gardening, generally occurring at home: falling down the stairs or from a stepladder, poisoning or accidental ingestion of a toxic product, burns, drowning, etc.
accidents outside the home, falls in the street, etc.
accidents while practicing sports, during a bike ride, a walk or a jog or during a trip, etc.
medical accidents during an operation or harmful consequences of an error in diagnosis or medical treatment.
GAV compensation does not prevent the liability of healthcare professionals from being called into question in order to obtain compensation for the damage suffered.
assaults or attacks.
natural disasters (storm, avalanche, etc.), or technological disasters (explosion, radiation, etc.).
Certain accidents such as work accidents or road accidents are covered by other guarantees.
Please also note that self-inflicted injuries are excluded from GAV.
Certain sports practices deemed to be risky (climbing, parachuting, scuba diving, etc.) are generally not covered by GAV or are subject to optional subscription to life accident insurance.
Why take out this type of life accident insurance?
Subscribing to life accident insurance is not obligatory, but it is nevertheless recommended:
The risks of domestic accidents are frequent and the consequences serious:
the frequency of accidents each year: there are around 5 million calls to emergency services, followed by thousands of hospitalizations.
They also cause around 21,000 deaths.
the age of the victims: more than 70% of accidents affecting children under 4 years old occur in the family home, with the majority of falls.
Falls also represent the most frequent accident for children under 15 years old.
Furthermore, more than 2 million elderly people fall at home, often with very serious consequences.
the seriousness of the consequences of life accidents: hospitalizations, loss of income, childcare costs, transport assistance, the human and financial consequences can be serious.
Accidents in life can lead to disabilities and various psychological and aesthetic damages.
They generate disabling after-effects in 11% of cases and cause 5 times more deaths each year than road accidents.
Here are some examples of the risks covered by life accident insurance and the reasons to take out one.
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Protect yourself and your loved ones from everyday accidents
Life accident insurance offers you individual insurance if you live alone but can also cover the people named in the contract living under your roof, spouse, minor or adult children, or even ascendants.
Subscribers aged over 61 and up to and including 75 can also take out a GAV, with special guarantees.
The damage, some permanent, is covered from a certain percentage of disability observed, for example from 1%.
Subscribing to a GAV can allow you in the event of an accident to benefit from home help, to allow the adaptation of your vehicle or the adaptation of your vehicle in the event of a disability.
In the event of death, funeral costs are reimbursed up to a certain amount and the economic and moral damage of members of the victim's family are also covered.