PROTECT YOUR WORKING CAPACITY - WITH DISABILITY INSURANCE
If you are unable to work in your profession due to illness or accident, our disability insurance protects you and provides you with a monthly pension, enabling you to support yourself financially during challenging times.
Occupational Disability Insurance
The risk of occupational disability is often underestimated. Almost one in four blue-collar workers and one in five white-collar workers are unable to work.
The causes of this are 85% illnesses and 15% accidents. Government benefits have been drastically cut in this sector. This mainly affects all those born after 1961. The average statutory pension for reduced earning capacity is 700 € a month.
With "NEODIRECT OCCUPATION DISABILITY +," you can close this supply gap today. We help you to find full private occupational disability insurance - with premium savings.
OCCUPATION DISABILITY 🎯
Mental illness in the first place!
Mental suffering such as Burnout and depression are responsible for just under 30% of occupational disability cases. They have been increasing as a cause for years. Severe accidents account for 8%, while musculoskeletal disorders (back pain, arthritis) and cancer each account for 19% .
Most applications are accepted!
Good news for policyholders: the majority of applications for occupational disability insurance are approved after the health check. In 97% of cases, approval is given without surcharges or benefit exclusions. Only in 3% of cases is a surcharge levied on the premium, and in 11% of cases certain benefit cases are excluded, e.g. in the case of chronic pre-existing conditions. Even if a benefit exclusion is agreed, other occupational disability risks are still covered. Only 4% of applications are not pursued further because applicants do not come forward during the process. Only 4% of all applications are rejected by the companies, mostly because the risk is too high or cannot be calculated.
Occupational disability insurance - Reliable benefits!
80% of all applications for occupational disability pensions are approved, a survey by GDV shows. Rejections have various reasons: In most cases, the insured person can still perform at least 50% of his or her occupation. This was the reason for about half of the rejections. Another 14% did not respond during the procedure because they were in better health. In 12% of cases, the pre-contractual duty of disclosure was breached, e.g. by concealing a previous illness. The occupational disability insurance offers reliable protection!