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Critical Illness Insurance
The risk of a serious illness is often underestimated. A 35-year-old man has a 1 in 3 chance of developing cancer or a heart attack. Basic care is covered by health insurance. However, long and cost-intensive treatment and recovery times often result in high costs that are often not covered by insurance benefits. You can close this supply gap with the provision for serious illnesses. “NEODIRECT DISEASE +” ( critical illness insurance ) offers you and your family financial protection in the event of serious illnesses. You can close your supply gap today! Find your powerful serious illness insurance provision for you and your family here and benefit from low contributions. Request a non-binding offer now.
NEODIRECT DISEASE +
Foresight for difficult times
TIP
REQUIREMENT
You should start taking preventive measures against serious illnesses early on, because if you are young and healthy, you will receive good protection at the best conditions. As a non-smoker, you benefit from particularly low premiums.
HEALTH ISSUES
Health questions must be answered fully and truthfully. Don’t hesitate to mention illnesses that you basically consider to be insignificant. Incorrect or incomplete information can release the insurer from his contractual obligations.
DURATION
If you wish, you can secure serious illness prevention for your entire life. However, the term should last at least until the age of 67.
POST-INSURANCE GUARANTEE
In general, it is important that your contract contains a post-insurance guarantee. This is the only way you can increase or extend the insurance cover during the current contract without a health check.
INSURANCE AMOUNT
The amount of the sum insured is estimated taking into account other expected income.
FAQs
WHY SHOULD YOU GET A SERIOUS ILLNESS PLAN?
The serious illness provision is a supplement to your protection against loss of work capacity. In the event of a serious illness such as a heart attack, stroke or cancer, it pays a contractually agreed sum insured and ensures you fast and unbureaucratic financial help, with which you can take the necessary measures. In the event of an acute illness, most people are adequately insured by their health insurance company in terms of hospital costs and basic care. However, there is a gap in care for serious illnesses that require long and costly treatment and recovery times. Serious illness prevention protects you against the risks of up to 55 serious illnesses. You can afford special treatment methods, doctors or medication and maintain your standard of living.
WHO SHOULD GET A SERIOUS ILLNESS CARE PLAN
Prevention against serious illnesses should be a part of good worker insurance. It can be completed for employed and self-employed persons as well as for housewives, pupils, students or children. Since employment has no effect on the premium, many professions can be insured in the serious illness provision that would not receive any protection from classic disability insurance. Serious illness prevention is also suitable for securing key people in companies or as an additional supplement to construction financing.
HOW HIGH SHOULD THE INSURANCE AMOUNT BE?
The optimal sum insured depends entirely on your personal needs. It should ensure your financial freedom in the event of a claim. Provisions that have already been made in the area of worker protection, for example through occupational disability insurance, should be taken into account when correctly calculating the sum insured.
A RULE OF THUMB:
You should insure at least three to five times your current annual net income and the sum insured should be high enough that you can take 30-80% of your net income monthly.
WHAT SHOULD BE CONSIDERED DURING THE HEALTH EXAMINATION?
All health questions must be answered completely and honestly so as not to jeopardize insurance cover. Insurance companies ask about doctor visits in the last five years and hospitalizations in the last 10 years. One or the other insurance goes back even further. Insurance companies reserve the right to check your information in the event of a claim. To do this, they need your consent in order to release the doctor treating you from their duty of confidentiality. In addition to health questions, you should also provide information about your hobbies.
