On the German market there are numerous occupational disablement insurance companies. Usually it is not easy for the consumer to find the right insurer that fits best with the own requirements. How can you find the right disablement insurance (BU) for your needs at the best rate? This site gives cost-free BU-insurance quotations: www.bu-guenstig.de.
There you can retrieve your personal BU-insurance quote from the great number of insurance vendors.
For whom is an occupational disablement insurance BU helpful? Each professional, whether employed or self-employed, should contract occupational disablement insurance. If you are looking for an occupational disablement insurance (BU-Insurance) in Germany, you should take into consideration some important points:
The benefits of the national pension insurance for occupational disablement are significantly restricted, and are basically no longer enough for hedging purposes. In addition to your own security, an occupational disability insurance is important to safeguard your family. Even at a young age and still without own family one should already have an occupational inability insurance. Then you usually benefit from lower contributions and a more favorable health examination. The reason for the predominant number of occupational disability cases is disease. Less common cause than disease is a previous accident. A long-term illness, which ultimately causes occupational disablement, leads usually to the loss of the job. When the claims for sickness benefits paid by the health insurance and for unemployment benefits are exhausted, you are confronted with a large income gap when not having an occupational disability insurance.
The permanent disability to work must be affirmed by a medical testimonial. If the free choice of physicians for that purpose is important for you, make sure that the insurance provider thus allows. About every 4th worker and every 5th employee must terminate their jobs for sickness reasons before the time and must go into early retirement. The reason for this usually is a illness and only sometimes an accident, so that an accident insurance alone does not give sufficient cover. Before choosing your German disability insurance supplier, you should always ask for several quotes. That Internet site gives free BU-insurance quotations: www.bu-tarifvergleich.com.
Make sure to find an insurance provider, that offers a contract by waiving on the so-called abstract relegation expression. This means that the insurer must not force you to take a completely different profession you probably never learned or would have chosen voluntarily, if the inability occurs in your profession. If your personal circumstances change through promotion, marriage, birth of a child or divorce, an adaptation of the insurance coverage may make sense. Therefore you should clarify if your insurance offerer is willing to increase the insurance protection without further health examination. Additionally, a good insurance company gives you insurance coverage from the beginning of the disease, that led to the occupational disablement, although the final disablement is fixed at a later date.
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