Michel O, Brusis T
Dienst KNO, Universitair Ziekenhuis - Vrije Universiteit Brussel UZ-VUB, Brüssel, Belgien.
HNO. 2010 Feb;58(2):117-25. doi: 10.1007/s00106-009-2060-7.
The provisions and the aims of private accident insurance are not comparable to those of the statutory accident insurance. The ear nose throat- (ENT-)specialist is often consulted on the question of a possible causality between an accident and sequelae. Loss of smell, taste disorder and loss of hearing are specified in a table with a fixed percentage for compensation. The individual invalidity for ear ringing, vertigo and other disorders have to be determined separately from this table. In private accident insurance a probability bordering on absolute certainty must be given when establishing a possible causal connection whereby mental reactions are excluded from compensation and all sequelae have to have continued for at least 3 years. The occupation or specific skills of the injured person are not essential for the judgement. The current jurisdiction and conditions of private accident insurance for tinnitus and vertigo have to be taken into consideration.
私人意外险的条款和目标与法定意外险的条款和目标不可相提并论。耳鼻喉科专家经常被咨询有关事故与后遗症之间可能存在的因果关系问题。嗅觉丧失、味觉障碍和听力丧失在一个表格中列出，并规定了固定的赔偿百分比。耳鸣、眩晕和其他障碍的个体伤残情况必须与该表格分开确定。在私人意外险中，在确定可能的因果关系时必须给出接近绝对确定性的概率，其中精神反应不在赔偿范围内，且所有后遗症必须持续至少3年。受伤人员的职业或特定技能对判断并不重要。必须考虑耳鸣和眩晕的私人意外险的现行管辖权和条件。
