Top insurance policies in the event of occupational disability: How to protect yourself!

Top insurance policies in the event of occupational disability: How to protect yourself!

For many people, taking out occupational disability insurance is important protection against financial losses in the event of disability. Various insurance policies offer protection, but which tariffs actually make sense often remains unclear. It is therefore advisable to carry out a comprehensive examination of the offers. Test.de reports that tariffs with ratings of “Very Good” or “Good” should be shortlisted. To find the best offers, you can use a tariff calculator on the insurance provider's website.

Contacting providers is usually easy via an online search. Alternatively, interested parties can request a non-binding offer by email or ask for a call back. In many cases, personal advice is possible by telephone or online, which helps clarify individual questions.

Important aspects when submitting an application

When submitting an application, it is crucial to answer the health questions truthfully. False information can significantly jeopardize protection. To avoid misunderstandings, it is recommended to request health data from the health insurance company in advance. Check24 notes that a patient receipt may be requested to more fully reflect the health history.

What is particularly new is the introduction of the electronic patient record (ePA), which will start in 2025 and promises better documentation of health data. In addition, care should be taken to note the specific tariff name, for example “SBU XXX (06.25)”, in order to correctly assign specific offers.

Variety of options and alternatives

While occupational disability insurance offers comprehensive coverage, disability insurance and basic disability insurance are also options that can be considered. However, the offers in these areas are rather limited compared to occupational disability insurance. Company websites often contain helpful checklists for reviewing offers that can help make informed decisions.

Another aspect that should be noted is that dread disease and functional disability insurance also present less common offers. Accident insurance could also be considered as an important supplement to occupational disability insurance.

In summary, choosing the right insurance requires thorough research. Individual advice from independent insurance advisors or insurance brokers is strongly recommended in order to find tailor-made solutions. It is essential to provide honest information when submitting your application in order not to jeopardize insurance coverage and to be able to make optimal use of potential benefits.