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Dread Disease Insurance: Last resort for risk groups!
Find out how dread disease insurance protects risk groups from serious illnesses and which aspects are important.
Dread Disease Insurance: Last resort for risk groups!
Dread disease insurance, also known as serious illness insurance, is increasingly perceived as important insurance for people with pre-existing conditions. This special insurance offers financial protection in the event of the diagnosis of certain serious illnesses. How Focus reported, the benefit takes the form of a tax-free one-off payment, which can be up to 200,000 euros, for example, immediately after the medical diagnosis of a serious illness specified in the contract.
This insurance covers commonly insured diseases including cancer, heart attack, stroke, multiple sclerosis, Alzheimer's, rheumatism and Parkinson's. However, the contract ends after the payment has been made, which means that further use for other illnesses is excluded. This differs significantly from traditional occupational disability insurance, which provides monthly pension payments in the event of permanent disability.
Differences from occupational disability insurance
Dread disease insurance offers, according to information from Check24, no comprehensive protection. In particular, mental illnesses and skeletal disorders are excluded from coverage. This means that dread disease insurance is only partially suitable as an alternative to occupational disability insurance. However, it represents a valuable option for many people with previous illnesses so that they do not find themselves without financial resources in an emergency.
Important aspects when taking out dread disease insurance are the definitions of the insured diseases and the selection of a sufficiently high insured sum. It is important to pay close attention to these points in order to be well protected in an emergency.
Conclusion
Overall, it shows that dread disease insurance can be a useful addition to insurance coverage, especially for risk groups and people who already have health restrictions. However, it remains important to consider individual needs and risks before making a decision.