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Basic disability insurance – an alternative to occupational disability insurance?
Trust in your physical and mental abilities, as well as your keen senses. But what happens if they suddenly fail? This is where basic disability insurance comes in. It offers protection not only for your fundamental physical abilities, but also for the loss of your senses, such as hearing, sight, taste, smell, touch, feeling, and balance. With basic disability insurance, you can safeguard your abilities.
Why basic disability insurance?
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Financial security: In the event of the loss of a basic ability, you will receive a financial benefit to help you cover your living expenses and manage medical costs.
- Flexibility: Unlike other insurance policies, basic disability insurance has no strict requirements for how the benefits are used. You decide how best to use the money.
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Early protection: This insurance can be taken out at a young age and offers early protection when the probability of illness or accidents is still low.
Distinction from disability insurance
Although basic skills insurance and occupational disability insurance may seem similar at first glance, there is a crucial difference. Basic skills insurance focuses on the loss of fundamental abilities, regardless of your current occupation. For example, if you lose your eyesight or ability to walk due to an accident or illness, you will receive benefits no matter what your profession is. In contrast, occupational disability insurance covers the loss of your professional abilities in your specific field. If you are no longer able to perform your current job due to health problems, occupational disability insurance will pay out benefits. The choice between the two types of coverage depends on your individual needs and professional circumstances.
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We will gladly advise you comprehensively and personally on your request.
Basic disability insurance is a type of insurance that covers the loss of fundamental physical or mental abilities such as seeing, hearing, walking, or speaking. It provides financial support if you lose these abilities due to accidents or illnesses.
The abilities covered may vary depending on the insurance policy, but typical examples include seeing, hearing, speaking, walking, climbing stairs, dressing, and eating.
A basic disability insurance policy offers financial flexibility because the benefits are not tied to specific medical diagnoses or professions. You can use the money however you deem most important.
The insurance usually pays out once you lose one of the covered basic abilities and a waiting period or qualifying period, as specified in your policy, has expired.
The amount of coverage depends on your individual needs and financial obligations. You should consider your expenses and financial commitments to choose the appropriate coverage amount.
Yes, insurance policies can have certain exclusions. It's important to carefully review the terms and exclusions in your policy to understand which situations are not covered.
Yes, it is possible to combine a basic disability insurance policy with other insurance policies such as life insurance or accident insurance to obtain more comprehensive protection.
Premiums vary depending on age, gender, health status, and coverage amount. It is advisable to compare several offers to find the best terms.
Yes, some insurers offer the option to adjust the coverage amount over time to meet changing needs.
You can take out basic disability insurance with various insurance companies and brokers. It's advisable to consult an insurance advisor to find the best policy for your needs.