Occupational disability insurance increasingly important

Applicants almost always state pre-existing conditions

The protection of the case of occupational disability belongs to the necessary standard with GELDPILOT24. The state only secures you in case of total disability.  What live on if e.g. back, psyche, skin, respiration do not take part any more and you cannot exercise your occupation any longer. If it comes particularly stupidly, it hits you already decades before the pension. The sum of all your BU pension payments together can go then already times into the million range. That's why insurers check carefully and want to have as young and healthy customers as possible. Insurers are commercial enterprises and want to make a profit. They bet that nothing will happen to you and choose their customers in such a way that their bet should work out if possible.

 
Some of the most important problems with professional application of an occupational disability insurance:

• Pre-existing conditions, 80% of all VERSDIAGNOSE customers reported pre-existing conditions in 2017
• some occupational groups, especially those with a high occupational risk, are almost unaffordable for some insurance companies
• Stability of the BU insurer, it is important to find a BU insurer who not only now has good marketing, but who also remains true to its promises in the long term.
• Damage behaviour of the insurer
• Conditions of the contract: For normal consumers nearly unmanageable, here also the FINANCIAL TEST list helps rather rarely  
• Behaviour after the onset of occupational disability, inspection intervals

 
From our point of view, a customer should never submit applications directly to an insurance company alone, not even online. If the application is rejected, the customer may receive a rejection from a large number of other insurance companies, similar to a professional entry. And he is asked by other insurances for refusals, surcharges of other insurances.

 
GELDPILOT24 recommends and supports the direct inquiry with the physician after the medical file of the last years plus an information inquiry with your health insurance company. In our experience this is very important. It is not unusual for your subjective memories of visits to the doctor and diagnoses and details to deviate from the real records of the health insurance company and the doctor. It is important to prove to the insurer in the event of a claim that he provided truthful information when making the application. 

 
Why a Finanz+Versicherungsmakler?

• large selection of offers from many companies, absolute necessity in the BU sector
• the Finanz+Versicherungsmakler is contractually and legally on your side
• Selection of action programmes for specific professional groups and associations, various insurers, e.g. for industrial engineers, tax consultants, lawyers, pharmacists, students of various fields of study
• Possibility of anonymous pre-application with a large number of insurance companies
• Access to the key decision makers of the application acceptance process

 
We accompany you during the application and also during the contract period and the most important thing: also in case of damage. One of our founders is also a top lawyer with whose office we (each in his field of expertise) accompany the BU claim and the necessary steps to apply for your BU pension.