2. I hurt myself falling off my bike
You've just got yourself a new electric bicycle that you're riding for the first time around the block. After a few minutes, you’ve got the knack. At the end of the day it's like a traditional bike, only faster and heavier. Happy with your progress, you’re ready to head home. You pick up speed and give a boost to get on the pavement between you and your home. But the bike struggles to get up, so you hit the pavement hard before falling back on your bike. The result: a broken rib.
The costs related to medical care are covered by social security (or the accident insurance association - AAA- in case of an accident during a professional journey). You can also use your complementary health insurance to reimburse medical expenses that are not covered.
To protect yourself in the event of a more serious accident (death or disability), you need to take out individual “accident” insurance. This type of policy provides for the payment of indemnities according to the terms and conditions specified at the time of subscription.
In the event of permanent disability, you receive a benefit whose amount is linked to the degree of disability you suffer. In the event of death, the capital is paid to your spouse or your heirs, in order to protect your family financially.