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Personal accident insurance is invaluable when it comes to children and teens. Young children up to the age of three are not protected under statutory accident insurance regulations. Older children and teens are only insured while at school or nursery and when travelling there and back.

Personal accident insurance also provides valuable protection for stay-at-home-parents, unemployed and self-employed, all of which are excluded from statutory health and safety insurance scheme, which also only covers employees on their way to and from work and while working.  

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