Member tax
The so-called link tax is used to assess the degree of disability in private accident insurance .
Grade
Normal link tax
Degree of disability in the event of loss or complete inability to function:
- one arm in the shoulder joint 70%
- one arm up to above the elbow joint 65%
- one arm to below the elbow joint 60%
- one hand in the wrist 55%
- of a thumb 20%
- of an index finger 10%
- another finger 5%
- one leg above the middle of the thigh 70%
- one leg to the middle of the thigh 60%
- one leg to below the knee 50%
- one leg to the middle of the lower leg 45%
- of a foot in the ankle 40%
- a big toe 5%
- another toe 2%
- one eye 50%
- of hearing in one ear 30%
- of smell 10%
- of taste 5%
Section tax for health professions
A special member tax can be agreed for members of a medical profession. This is staggered as follows:
Degree of disability in the event of loss or complete inability to function:
- of an arm or a hand in the wrist 100%
- of a thumb or an index finger 60%
- another finger 20%
- one leg or one foot 70%
- a big toe 8%
- another toe 3%
- one eye 80%
- of hearing in both ears 70%
Effects on accident insurance performance
If the function of a part of the body is only partially impaired, then the corresponding part of the percentage is assumed to be disability. If several parts of the body are affected, the percentages are added. However, the total can never exceed 100%. The accident insurance pays out according to the percentage of the member's tax. In the case of a disability sum of 100,000 euros and the loss of a thumb (20%), a compensation of 20,000 euros would be paid.
However, only if the reduction in use is neglected or in the case of a 100% reduction in use. This is determined individually by a doctor.
To stay with the example mentioned above, with a reduction in use of 3/10 of the 20,000 euros, only 30%, i.e. only 6,000 euros, would be paid out.