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We are your reliable partner for comprehensive income protection.
Your safety and well-being are our priority. We understand how important it is to feel protected in times of uncertainty and risk. That's why we offer you tailored income protection solutions that support you in every situation.
Information about income protection
Income protection insurance is an important aspect of your financial planning. It safeguards your income and quality of life if you are no longer able to work due to health reasons. At BAdent & Klemm, we have in-depth knowledge of the various aspects of income protection insurance and are happy to answer all your questions.
Our income protection packages offer safeguards against financial hardship caused by accidents, illness, or other unexpected events. You can rely on us to provide you with tailored solutions that meet your needs and lifestyle.
What types of income protection are available?
There are various types of income protection insurance designed to protect people from the financial consequences of being unable to work or losing their job. Here are some of the most common forms of income protection:
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Health insurance: Health insurance covers medical costs in case of illness or injury. It can cover doctor's bills, hospital stays, medications, and other medical services. In many countries, health insurance is mandatory.
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Accident insurance: Accident insurance offers protection in the event of accidents and injuries that can lead to incapacity for work. It can provide benefits such as disability payments or hospital allowances.
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Disability insurance: This insurance pays out a pension or a one-off sum if you become permanently disabled due to illness or injury and can no longer perform your previous job.
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Basic disability insurance: Basic disability insurance pays out benefits if you become unable to work due to the loss of certain basic abilities such as seeing, hearing, walking, speaking, or the ability to use your hands. This type of insurance offers protection if you can no longer perform your job due to the loss of such basic abilities.
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Occupational disability insurance: Occupational disability insurance is often relevant for professional groups such as civil servants, police officers, or firefighters. It pays benefits if you are no longer able to perform your professional duties due to occupational disability. This can occur due to illness, injury, or other factors that impair your ability to work.
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We will gladly advise you comprehensively and personally on your request.
Disability insurance, also known as occupational disability insurance or incapacity insurance, is a form of insurance that protects your income if you are no longer able to work due to illness, accident or other reasons.
Income protection insurance is important to ensure financial stability if you suddenly become unable to work. It protects your source of income and allows you to maintain your standard of living.
There are different types, including occupational disability insurance, incapacity insurance, incapacity for service insurance, basic disability insurance and dread disease insurance.
The level of income protection depends on various factors, including your income, your profession, your age and your health.
Most disability insurance policies pay benefits if you are unable to work for a certain period of time (usually six months to one year).
Yes, many income protection policies are customizable. You can tailor the coverage amount, the policy term, and additional benefits to your needs.
Yes, but existing health problems can increase premiums or cause certain exclusions in the policy.
The duration of the benefit depends on the contract terms. It can be paid until retirement age or for a specific period.
When applying, you must provide information about your health, your occupation and your income.
Yes, in most cases you can cancel or temporarily suspend your income protection insurance if your circumstances change. However, this may affect your future coverage and premiums, so it's important to review this carefully and consult with your insurance provider.