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Financial tester Many insurance against disability is good
Mental illness is one of the main reasons why people in Germany become disabled. For the majority of employees, occupational disability insurance is a sensible policy. Most of these insurance companies fare well in a recent test.
Disabled for mental illness
Around 16 million people in Germany have occupational disability insurance. Morgen & Morgen, the analyst firm that scrutinizes the market for occupational disability policies on a yearly basis, recently announced that nearly 29 percent of all BU cases are due to mental illness. These include primarily depression, but also stress disorders, neurosis or anxiety disorders. Also health insurance companies have reported in recent years on similar numbers, which expressed that mental illness was the most common reason for early retirement and disability. Also diseases of the skeletal and musculoskeletal system with diseases such as back pain, arthritis, rheumatism or osteoporosis are often the reason that employees can not continue in their job. Older employees also often referred to cancer and heart and vascular diseases.
Good marks for occupational disability insurance. Image: Zerbor - fotolia Disability insurance pays off for most workers
For most workers it is worthwhile to take out insurance against occupational disability. As the news agency dpa reports, most occupational disability insurance scores well in a recent test of the magazine "Financial Test". More than half of the 70 tested offers even get a "very good". However, not everyone gets the protection of a corresponding insurance policy at all. For example, according to the Financial Audit (Issue 8/2015), for people with health problems, for the elderly, and for professionals in professions that are considered risky, it is difficult to get an affordable contract for disability insurance with just a few attempts. But sometimes it pays to be persistent.
Amount of the contribution also depends on the occupation
In order to increase the chance to conclude an affordable and good insurance policy, it is advisable to conclude a contract early. If you can afford it, it is best to choose an annual and not a monthly payment method, otherwise the fee will be 2.5 per cent more. In many cases it is possible to increase the amount later - if you earn more. According to the information there is a long-term insurance for many policies without renewed health examination. Basically, consumers need to pay more for insurance, the riskier their job is. For example, the risk of disqualification for graduate students is lower than for bricklayers.
Do not conceal diseases
When it comes to insurance coverage, health plays a big role. For example, mental health problems are a cause for not being protected because, as noted above, they are a major reason why people can no longer practice their jobs. The "Finanztest" experts advise to agree with the insurer to release each doctor individually from the obligation of secrecy, not all lump-sum. Then the communication is better not directly between doctor and insurer. Rather, the physician sends his answers first to the insured. In this way, one can be sure that the doctor does not report any diseases that are older than the time requested in the application. However, one should by no means conceal illnesses, since customers can thereby later lose their protection. It is therefore important to answer health questions truthfully and completely. (Ad)
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