It's easy to choose between two accident insurance premiums – except that you're not buying a premium, you're buying content. A proper comparison goes row by row, against fixed criteria: that's our criteria table, which you receive filled in every time we run a competition between insurers. Here are its rows – so you can see what's in it, and why.
- The backbone of the table: elements and amounts → quality of the permanent-disability scale → scope of cover → sport and occupation rules → exclusions → premium.
- The premium is the last row – not because it doesn't matter, but because it's only comparable once the content matches.
- Between two offers with similar premiums, how permanent disability is handled is the most common real difference.
Block 1: elements and amounts
First round: what's included and at what amounts – death benefit, permanent disability, daily benefit, fracture, hospital, surgical. This is where we filter out the packages that fall short: anything that lands far below the sizing plan isn't cheap – it's a different product.
Block 2: the quality of the permanent-disability scale
The decisive block: linear or progressive, how steep the progression is, what happens at low percentages – and comparing the ACTUAL payout for a severe case. The logic of the disability-scale article turns into a table here: two offers with the same base amount can show a payout that differs several times over for a serious impairment.
Block 3: scope of cover and rules
Temporal scope (24-hour cover?), territorial scope, the start of cover – and the rows tailored to you: for this particular product, are your sports and your occupation part of standard cover, subject to an extra premium, or excluded? This block can give a different answer per offer for the very same life – which is exactly why no product can be advertised as “generally the best.”
Block 4: exclusions and the fine print
The personal cross-section of the exclusion map: item by item, what touches your own life. Plus the operational details: fracture vs. hairline crack, how day surgery is handled, how elements combine – the five questions from how to read a policy wording, arranged into columns.
Block 5: the premium – at the end
Once the content rows are filled in, the premium can finally be compared in a meaningful way: you see value for money, not just price. It's a common experience for the order to flip: the offer with the lowest-looking premium turns out, after the content rows, to be the most expensive protection – and vice versa. Deciding on premium alone tops the list of signing mistakes.
How do you use it?
You don't – and that's the good news: I fill in the table, with competing offers from several insurers, tailored to the criteria we recorded at your needs assessment. What's left for you is the decision: you receive the completed table, I answer your questions – and once you've chosen, signing can follow. The advice is free; the decision is yours.
A question about your own situation? Run the numbers in minutes with the online calculator (in Hungarian), or book a free 20-minute consultation →
