Insurance

Your benefits:

• 'Own occupation' policy – no requirement to enter a different occupation, if possible, in the event of disability

• worldwide insurance coverage – no waiting period

• disability benefits – also retroactively – from the first day of disability, insofar as the policy does not include a waiting period

• eligibility for benefits based on the last occupation performed while healthy – previous occupations are not taken into consideration

• clear and transparent explanation of the process of determining disability for the self-employed and freelancers with regard to restructuring their work, their working environment or workflow

• no requirement to participate in occupational retraining and no requirement to report a decrease in disability level when already receiving benefits

• medical documentation of the disability can be submitted by the treating physician

• the insured party’s obligation to cooperate is limited to following reasonable medical instructions

• exclusion of benefits limited to an absolute minimum