New test: basic skills insurance as a cheap BU alternative!

New test: basic skills insurance as a cheap BU alternative!

Stiftung Warentest recently tested 37 basic disability insurance tariffs and thus highlighted an interesting alternative to occupational disability insurance (BU). This insurance could be particularly important for people who either work physically or have difficulty taking out BU due to pre-existing conditions. Loud t online The BU offers financial compensation for employees who can no longer work due to an accident or illness. In comparison, basic abilities insurance offers a pension if certain basic abilities such as seeing, walking or speaking are lost.

A key advantage of basic skills insurance is that your traditional occupation does not play a role. This gives people who cannot access occupational disability insurance for various reasons the opportunity to protect themselves. In addition, these insurances are usually cheaper, although they are less powerful than a BU. Additional insurance often needs to be considered for mental illnesses, which should be taken into account when planning.

Results of the test

The test by Stiftung Warentest was aimed at 25-year-olds who wanted a monthly pension of 1,500 euros until they turned 67. Professional groups such as educators, mechatronics engineers, nursing staff and professional drivers were taken into account. Of the 37 tariffs tested, 20 offer a high or very high level of performance, while 17 tariffs only achieve a medium or low level. The five best tariffs have been classified as having very high levels of performance and should be considered when making your selection.

Basic abilities insurance kicks in if a specific motor or sensory ability is lost. This can lead to significant problems in everyday life and may have professional consequences. For example, the loss of hand motor skills may mean that you can no longer carry out everyday tasks - which is not automatically recognized as an occupational disability at the BU. A simple application for a basic ability pension requires proof of the loss of one of these basic abilities.

Adjustment and health checks

Another aspect that speaks in favor of basic skills insurance is its flexibility. For example, insured persons can select different modules to meet their individual needs. However, a health check is required, which is why pre-existing conditions can lead to exclusions or higher contributions. Anyone who does not have the opportunity to take out occupational disability insurance will find basic disability insurance valuable protection against loss of income due to illness or accident Test.de notes.

Overall, the study by Stiftung Warentest shows that basic skills insurance can serve as an important and cost-effective option for many people. It helps to cushion financial risks in the event of the loss of basic skills and ensures that those affected are not alone in everyday life.