Tetraplegic and Fatal claim scenario comparison across Europe 2025
Tetraplegic scenario
Fatality scenario
A 30-year old male, married, single earner, two minor children, average income in dependent employment, severe spinal or head injury, no ventilation necessary, 100% disability, no return to work, highest level of care.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
30-year old male, married, single earner, 2 minor children, average income in dependent employment.
Loss of Earnings
Pain and Suffering
Other
Austria – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Austria – Fatality scenario
EUR Mio.
Loss of Earnings
Pain and Suffering
Other
Belgium – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Belgium – Fatality scenario
EUR Mio.
Loss of Earnings
Pain and Suffering
Other
United Kingdom – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
United Kingdom – Fatality scenario
EUR Mio.
Loss of Earnings
Pain and Suffering
Other
Germany – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Germany – Fatality scenario
EUR Mio.
Loss of Earnings
Pain and Suffering
Other
France – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
France – Fatality scenario
EUR Mio.
Loss of Earnings
Pain and Suffering
Other
Switzerland – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Switzerland – Fatality scenario
EUR Mio.
Loss of Earnings
Pain and Suffering
Other
Spain – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Spain – Fatality scenario
EUR
Loss of Earnings
Pain and Suffering
Other
Netherlands – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Italy – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Italy – Fatality scenario
EUR Mio.
Loss of Earnings
Pain and Suffering
Other
Greece – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Greece – Fatality scenario
EUR
Loss of Earnings
Pain and Suffering
Other
Czech Republic – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Czech Republic – Fatality scenario
EUR
Loss of Earnings
Pain and Suffering
Other
Hungary – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Hungary – Fatality scenario
EUR
Loss of Earnings
Pain and Suffering
Other
Poland – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Poland – Fatality scenario
EUR
Loss of Earnings
Pain and Suffering
Other
Sweden – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Sweden – Fatality scenario
EUR
Loss of Earnings
Pain and Suffering
Other
Denkmark – Tetraplegic scenario
EUR Mio.
Cost of Care
Loss of Earnings
Pain and Suffering
Other
Denkmark – Fatality scenario
EUR
Loss of Earnings
Pain and Suffering
Other
Source: Swiss Re