(Not) take out accident insurance after the death of your parents

About the insurance: Taken out by parents (civil servants) a long time ago with Debeka's parents died. I would have to decide immediately to take over the insurance under the conditions. Conditions: Unfortunately, only a rough outline is available at the moment, no details such as whether borderline cases are covered, which are not available in all cases. This means that no precise comparison with other offers is possible. Disability sum: 400k Total disability: 1 million Death sum: 40k Daily hospital allowance: 40 Monthly contribution: Because he is not a civil servant like his parents