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PROTECT YOUR BASIC DISABILITY
Our basic ability insurance offers a predetermined pension if you lose essential abilities like sight, hearing, speaking, or walking, ensuring you maintain your living standards.
Basic Ability insurance
Have you ever considered what would happen if you could no longer see, speak, hear, or use your hands? The loss of these basic abilities can be due to various reasons, such as illness, accidents, or a general decline in health.
NEODIRECT FUNDAMENTAL DISABILITY + (basic ability insurance) offers compensation options in such cases, helping you continue to participate in life.
BASIC ABILITY INSURANCE 🎯
Nürnberger Insurance's Basic Abilities
Coverage: A Comprehensive Guide
Introducing NEODIRECT BASIC ABILITY +: Not Just an Alternative to Disability Insurance
Basic abilities insurance is not merely an alternative to occupational disability insurance, yet NEODIRECT ABILITY + from Nuremberg Insurance emerges as a compelling option. There are several reasons why!
For those not specifically seeking an alternative to occupational disability insurance, Nuremberg Insurance's basic abilities insurance also superbly secures everyday skills that are fundamental to life.
What Does NEODIRECT ABILITY + Offer?
Today, NEODIRECT BASIC ABILITY + caters to the working population increasingly priced out of disability insurance. Despite having no direct link to one's profession, Nuremberg's policy provides significant support in various aspects.
Starting with prevention, Coach N-App helps policyholders stay healthy with nutrition tips, lifestyle advice and supported training programs to build fitness and resilience. Active app users can even receive up to €100 per year, incentivizing health and wellness.
Additionally, policyholders have access to BetterDoc, a network to find the best specialists for their medical conditions or to seek a second opinion—crucial for quick and effective recovery.
Who is the Primary Target Group?
Initially, truck and bus drivers, as well as taxi drivers, might come to mind. Nuremberg Insurance's basic abilities insurance pays out if you lose your class A, B, T, and L driver's licenses—critical for those whose jobs depend on regular health and capability checks.
Those not in professional driving but unable to afford disability insurance might find the compact protection option and the optional sick leave module appealing. This module provides benefits for sick leave extending beyond six months, up to 24 months—a period usually sufficient to reorient one's life or start retraining.
How Is NEODIRECT ABILITY + Structured?
The insurance covers a wide range of basic abilities, from sensory functions to mobility and even includes care needs. It offers comprehensive protection for the worst-case scenario, with additional modules for physical labour, office tasks, mobility, professional driving, mental health, and extended sick leave benefits.
Lastly, a care module ensures lifelong pension payments in case of care dependency and an option for a care pension if not yet needed by the end of the contract with Nuremberg Insurance.
NEODIRECT BASIC ABILITY + provides a broad and adaptable safety net, ensuring individuals from various professions can secure their future against unforeseeable health challenges.
Requirement
It makes sense to take care of basic skills insurance early on. Anyone who is young and healthy receives good protection in the best conditions.