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the topic of the post:

  • Accidental insurance: what it is
  • Accident protection: what it covers
  • The various types of misfortune insurance
  • Additional content that may amuse you

Accidental insurance: what does it cover?

In 2009, Valentino Rossi’s fans trembled and feared the worst, if only they had known about accident insurance premium they might have been less worried. The year before, after a few years of bitter morsels, the idol of the crowds had finally returned to win, once again winning the title of World Champion.

 The ‘doctor’, far from thrilling curves and unlikely engines, still found a way to injure himself putting the following season in doubt, badly injuring his left hand and sole with a glass table at home, in Tavullia, while he was trying to close one curtain. 

But this is certainly not the only case of intrepid athletes who face immense dangers every day and who then end up getting injured in the most stupid ways: think that the most serious injury of the greatest mountaineer ever, Reinhold Messner – who has climbed all 14 peaks in the world that exceed 8,000 meters – it happened just outside his house, while he was trying in vain to climb a wall just 3 meters high. Result? 

Fractured heel, and public mockery … but if he had accident insurance at least he would have been reimbursed.

Moral of the story? You don’t need to climb the Himalayas or speed over 300 kilometers per hour to get hurt, perhaps seriously! And you, what could you do to avoid getting injured?

Well, surely you could remember to always take the keys to the house, to avoid trying to climb over walls, perhaps at night and, if he didn’t want the sky, with a few too many glasses in the body. But you certainly can’t stop doing the most normal things, like closing the curtains at home. As the Doctor (Valentino Rossi, not the family one) reminds us, therefore, it is better to protect yourself with accident insurance. But what does this policy cover?

Accidental insurance: what it is

To understand what accident insurance covers, we must first start with the concept of ‘accident’. Such is the violent and fortuitous traumatic event that produces objective physical injuries, which lead to temporary disability, permanent disability, or, worse still, death. Are you asking what it means that an injury must be fortuitous to be such? Simple, it does not have to be predictable: if you drink 4 negronis and drive your motorcycle without a helmet and you have an accident, that is not an injury. No, because, in addition to being crazy, that injury is predictable.

Injury insurance


Accidental insurance: what it covers

Before signing an accident policy, you need to know that there are three different guarantees, which reflect the very nature of accidents: accidentserious accident, and the case of death. The compensation of an accident policy is aimed at covering the economic damage that an accident can cause to the insured, first of all, lost working days, and includes the reimbursement of medical and hospital expenses. In the event of death, compensation is paid to the beneficiary (where indicated) or to the heirs.

The various types of misfortune insurance

There are different types of accident policies. The most widespread is certainly the most generic: it is accident insurance with basic protection, advisable to anyone, and especially to self-employed workers, who obviously cannot boast the typical compensation of those who work as an employee. Then there is the sports injury insurance, designed for those who carry out sports activities, which covers the economic costs resulting from an injury in competition or training. Finally, it is worth knowing the domestic accident insurance, which among other things – starting from law 493/199 – is mandatory for all those people who, without receiving a salary, take care of their home and family.

Now you know how it works, what it covers, and how accidental insurance can be declined: it’s up to you. 

To help you in your choice, we reveal a secret: according to psychologist Balazs Aczel, from Eötvös Loránd University in Budapest, our stupidest behaviors are caused by three different factors. The scholar speaks of ‘lack of control’, of ‘distraction’ and, finally – the most important – of ‘trusting ignorance’, underlining that we all tend to overestimate ourselves, minimizing instead the dangers we face. And now who tells Reinhold Messner?


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