easyPROTECT Accident Insurance
Essential protection for you and your family in Luxembourg
An accident can transform a life in just seconds. A fall at home, a sports accident, an incident while traveling...
The consequences can be physical, but also financial. With easyPROTECT Accident, your lalux agency – Yves Penny offers you comprehensive accident insurance in Luxembourg, designed to protect you and your family under all circumstances.
My clear goal: to offer you strong financial security in the event of an accident in private life, so you can focus on your recovery without worrying about the economic impact.
Unlike work accidents, accidents occurring in private life are not always sufficiently covered by mandatory schemes. Hospitalization, temporary incapacity, or permanent disability can lead to:
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Income loss
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Significant medical expenses
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Home or vehicle adjustments
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Long-lasting impacts on your quality of life
Taking out accident insurance in Luxembourg allows you to anticipate these risks and protect your financial stability.
“Confort” Plan:
A simple and effective flat-rate protection
The Confort plan is a flat-rate accident insurance contract. It provides for the payment of a predefined capital in case of an accident. It covers:
✓ Death
✓ Permanent disability
✓ Residual medical expenses (medical fees, pharmaceutical costs, prosthetics, paramedical care, hospitalization)
The compensation corresponds to a percentage of the insured sum chosen at the time of subscription. You freely set the guaranteed capital according to your needs and your financial situation, with the personalized support of our agents.
Home Assistance Option
In addition, the home assistance option provides concrete support after an accident:
✓ Housekeeping
✓ Sick-nurse
✓ Babysitter
✓ Pet sitter
✓ Psychological support
✓ Tutoring
✓ Taxi transport
The Confort plan is ideal if you're looking for simple, flexible, and accessible accident insurance, while managing your budget.
Performance Plan : Compensation based on your actual damages
The Performance plan offers a higher level of protection. Unlike the fixed-amount plan, it provides indemnity compensation, calculated based on the actual damages suffered, in accordance with Luxembourg common law.
The indemnity is determined based on:
✓ The disability rate, set by a medical expert
✓ Your age
✓ The economic and personal consequences of the accident
The greater the disability and the more significant the impact on your life, the higher the compensation.
Covered damages
Besides personal injuries, the Performance plan covers:
✓ Loss of income due to temporary or permanent incapacity
✓ Esthetic damages (scars, deformations)
✓ Enjoyment damages (inability to perform certain activities)
✓ Moral damage in case of death
This plan is particularly suitable for:
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Self-employed
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Traders
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Liberal professions
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People whose activity heavily depends on their physical abilities
It ensures maximum financial protection, even in the event of a serious accident.
Coverage 24/7, in Luxembourg and around the world
With easyPROTECT Accident, you are covered in numerous situations:
✓ Transport: as a pedestrian, driver, or passenger
✓ Daily activities: household tasks, DIY, gardening
✓ Leisure and vacations: non-professional sports, private trips
✓ Extended territorial coverage: Luxembourg and worldwide (stays under 3 months)
✓ Adaptation to your family situation: single, couple, family with or without children, single-parent family
✓ Possible extension to professional life
This comprehensive protection accompanies you anywhere, anytime.
Why choose lalux – Yves Penny agency?
By choosing my agency for your accident insurance in Luxembourg, you benefit from:
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Personalized support
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Clear and transparent advice
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The strength of the lalux ASSURANCES group
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A local contact in case of claim
I analyze your situation to offer you the most suitable option, whether you want a simple fixed-amount protection or a comprehensive indemnity coverage.
