HNO-ärztliche Begutachtung für private Unfallversicherungen

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 accident and sequelae. Loss of smell, taste disorder and loss of hearing are specified in a table with a fixed percer for compensation. The individual invalidity for ear ringing, vertigo and other disorders have to be determined separ 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 exlcuded from compensation and all sequ have to have continued for at least 3 years. The current jurisdiction and conditions of private accident insurance for tinnitus and vertigo have to be into consideration.