Our dread disease insurance provides a predetermined sum for serious illness, covering financial obligations, medical treatments, or maintaining your living standards.

Comprehensive protection for serious illnesses

Comprehensive protection for serious illnesses

Dread disease insurance provides comprehensive protection against illnesses such as cancer, heart attack, stroke, and more. You receive a financial payout to cover treatments, medical expenses, and income losses.

Damages Caused by Uninsured Third Parties

Damages Caused by Uninsured Third Parties

Choose from different coverage options and customize your insurance protection to suit your needs. This ensures that you receive the right coverage that provides financial security in case of emergencies.

Additional financial support

Additional financial support

The dread disease insurance pays out a fixed sum of money when a specific illness is diagnosed. This allows you to cover additional expenses that may not be covered by conventional health insurance.

Critical Illness Insurance

The risk of severe disease is often underestimated. A 35-year-old man today has a 1 in 3 chance of developing cancer or a heart attack. Primary care is covered by health insurance. However, lengthy and costly treatment and recovery times often result in high costs frequently not covered by insurance benefits. With Serious Illness Prevention, you can close this provision gap

"NEODIRECT DREAD DISEASE +" (Severe Illness Insurance) offers you and your family financial protection in the event of serious illness. You can close your coverage gap today! Find your consequential serious illness provision for you and your family and benefit from favorable premiums here. Request a non-binding offer now.

Protect yourself from the threats of severe illness and secure financial support in an emergency with dread disease insurance.


Foresight for hard times


Rise against the threat of serious illness with dread disease insurance! In a world of ubiquitous health risks, this insurance allows you to enjoy comprehensive protection and financial security. Whether it's cancer, heart attack, stroke, or other serious illness - dread disease insurance steps in when you need it most. It provides you with a financial payout to help you manage treatments, medical expenses, and even loss of income.

Dread disease insurance differs from traditional health insurance in that it pays you a fixed sum if you are diagnosed with a specific illness. This sum of money allows you to cover additional expenses that may not be covered by your health insurance, such as alternative treatments, rehabilitation costs, or maintaining your standard of living during recovery.

You can tailor the coverage of dread disease insurance to your individual needs by choosing from different scopes of benefits.

That way, you can ensure you have the proper protection to give you the financial security you need in an emergency.

Rely on the support and protection of insurance to help you battle serious illness and give you the backing you need to recover and get strong again.Take control of your health and financial future with dread disease insurance. Be ready for emergencies and take precautions to focus entirely on your recovery.


It would be best to start severe illness prevention early because young and healthy people receive good protection in the best conditions. As a non-smoker, you benefit from particularly favorable premiums.


Health questions must be answered completely and truthfully. Do not hesitate to state illnesses that you consider insignificant. Incorrect or incomplete information may release the insurer from its contractual obligation.


You can take out a whole-life severe illness insurance policy if you wish. However, the term should last at least until the age of 67.


It is generally essential that your contract contains a subsequent insurance guarantee. This is the only way to increase or extend your insurance coverage during the current contract without a health check.


The amount of the insured sum is estimated, considering other anticipated income.

Why you should take out a serious illness insurance policy?

Serious Illness Prevention supplements your insurance against loss of working capacity. In the event of a severe illness such as a heart attack, stroke, or cancer, it provides a contractually agreed sum insured. It ensures that you receive rapid and unbureaucratic financial assistance to take the necessary measures. In the event of an acute illness, most people are adequately insured for hospital costs and primary care through their health insurance. However, a coverage gap occurs for severe diseases that cause lengthy and costly treatment and recovery times. A Serious Illness Plan consistently protects you against the risks of up to 55 serious diseases. You can afford unique treatments, doctors, or medicines and maintain your standard of living.

Who should take out a serious illness insurance policy?

Serious illness insurance should be a component of a good health insurance policy. It can be taken out for employed and self-employed persons and homemakers, pupils, students, or children. Since the occupation does not affect the premium, many works that a classic occupational disability insurance policy would not cover can be insured under the severe illness provision. Challenging illness insurance is also suitable for critical company employees or as an additional supplement to construction financing.

How much should the sum insured be?

The optimum sum insured depends entirely on your personal needs. It should ensure your financial freedom in the event of a claim. Taking precautions in labour insurance, e.g., occupational disability insurance, should be taken into account in the correct calculation of the sum insured.


You should cover at least three to five times your current annual net income, and the sum insured should be high enough to allow you to withdraw 30-80% of your net income each month.

What should be considered during the health check?

All health questions must be answered completely and honestly not to jeopardize insurance coverage. Insurance companies ask about doctor visits in the last five years and hospitalizations in the previous ten years. One or two insurance companies go even further back. Insurance companies reserve the right to check your details in the event of a claim. To do this, they need your consent to release the attending physician from the duty of confidentiality. In addition to the health questions, you must provide information about your hobbies.

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