Take out occupational disability insurance - Define contribution
If you have the new one Complete occupational disability insurance online would like to ask some questions. You want the protection, but how do you commit to a number? So they rightly ask: "Disability insurance how high set a link from your homepage to Fewo-von-Privat.de are they at least? "
Experts advise to stick to their own net income. For example, you currently earn 1300 Euro net and need this good money to cover all costs? Then should that amount, but at least 75 percent make sure of that. You yourself have to calculate whether 1000 Euro will be enough for you in an emergency, or whether you should definitely insure more.
Furthermore, questions like:
Occupational disability despite depression or other pre-existing conditions?
Does the occupational disability insurance apply to smokers?
Can I leave the occupational disability insurance?
The general occupational disability insurance health issues are considered almost notorious, although of course the demand for well-being is justified. The risk for the insurance company is not small, so it protects itself with the investigation of the actual state of the person. Of course, the findings can also serve to find a contribution, for example, an 20 year-old will certainly pay a lot less than an 40 year-old. The latter brings with it a higher risk for the sole reason of having a chronic illness in the near future. Do you actually get an occupational disability insurance despite pre-existing illness? A blanket answer can hardly be given here, but there are too many variables. If emotional or physical ailments occur after graduation, it is certainly a safe case. But before? Interested parties will often bite on granite if you indicate a disease of any kind in the insurer's questionnaire. Depending on the extent, it may be accepted as the contribution is higher in the end. If there are already worse, chronic illnesses, the chance of a contract seems small. But it is true: try makes smart and questions cost nothing! Incidentally, the monthly burden is most likely to increase if you are a smoker or fall outside the standard BMI. Nevertheless, it is advisable to build on honesty so that in case of a problem your life is secure. If you are no longer financially well and you have problems, you can also rest, suspend or reduce the contribution. As a rule, institutions are open to inquiries and seek an individual solution to the problem.