From now on we have an extraordinary special promotion for occupational disability insurance in our portfolio, which I definitely don’t want to withhold from you. The campaign is currently really unique because the health questions are very simple and can be answered without any problem for the majority of people with previous health problems.
Let’s get started!
Who can participate!
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The campaign is intended for all medical professions such as doctors, psychologists, pharmacists but also non-medical professions. Trainees or students can also take part, but they have a slightly more difficult health test. It is possible to complete the course up to the age of 67. However, for participants aged 51 and over, the health questions are somewhat stricter.
The minimum entry age applies to everyone born after 2006. No qualifications are possible for younger people!
How high can the BU pension be?
The BU pension for the medical professions can be a maximum of €3,000 upon graduation. One can easily include building blocks such as the AU clause, contribution dynamics and performance dynamics.
Non-medical professions can take out a BU pension of up to €1,500. Of course, this can continue to grow thanks to the additional insurance options and the premium dynamics!
What are the health questions?
In my opinion, the health questions are really super simple. Of course, you must not yet be incapable of working or planning to apply for occupational or occupational disability.
Unfortunately, a sick note of more than 14 days in the last 2 years will also mean that you will not be able to take part here for the time being.
Also a big advantage of the campaign: There is no need to specify height and weight, nor hobbies or planned long-term stays abroad.
Important: If you have already taken out occupational disability insurance with an exclusion clause or a risk surcharge in the last 5 years, you must answer question 4 with YES and therefore the action is not possible for you!
Here are the health questions for trainees and students:
Question 1: At the time of submitting this declaration, are health reasons preventing you from carrying out your professional activity without restrictions?
Question 2: In the last 24 months, have you been treated by a doctor or non-medical doctor (e.g. alternative practitioner, physiotherapist or psychotherapist) for more than 6 calendar weeks due to an illness, health problem or functional disorder, or do you currently have an illness, health problem or functional disorder for which treatment is currently ongoing? (Treatments for hyperthyroidism or hypothyroidism are not to be specified)
Question 3: Do you currently have an occupational or occupational disability or reduced earning capacity or a degree of disability of at least 30 or have you recently applied for one?
Question 4: In the last 5 years, have you made an application for insurance in the event of occupational disability or incapacity or reduced earning capacity that resulted in difficulty or rejection?
How can the contract be designed?
You can include the following modules for a fee and the following credit points are automatically included:
| AU-Klausel | Benefits for long-term sick leave | zubuchbar |
| Flexible customization | Adjust the BU pension for certain events without any health questions through various additional insurance options | including |
| Work-Life Balance Option | BU pension can be adjusted downwards at any time and can be increased again without a new risk assessment (e.g. parental leave, part-time) | including |
| Betterment clause | When changing careers to a more favorable professional group without risk assessment in the first 5 years | including |
| Extension possible | If the retirement age changes, for example to 70 | including |
| Refrain from abstract reference | You are always insured in your profession and will not be referred to another profession | including |
| Prognoszeitraum | 6 Fun | including |
| Career guarantee | In the case of salary increases up to €6,000, BU pension is possible without a new risk assessment | including |
| Immediate help for cancer | with simple proof up to 18 months | including |
| Protection against infections | Infection clause for all professions | including |
| Additional financial benefits | Rehabilitation benefits up to €10,000, retraining benefits up to €15,000 | including |
| Protection against serious illnesses for children | Additional financial benefit if your child becomes seriously ill | including |
| Immediate performance in case of loss of basic skills | Simplified immediate benefit in the event of loss of vision, hearing or walking for at least 3 years | including |
| Lifetime payment in case of need for care | BU due to need for care before the age of 45? The BU pension is then paid as a nursing pension for life | including |
| Contribution dynamics | increase your BU pension in small steps over the term | inclusive, 1%-5% selectable |
| Performance dynamics | Your BU pension is guaranteed to increase as you receive benefits | Can be booked additionally, 1%-3% selectable |
There are no gaps or hidden catches when drafting the contract. There are also no risk premiums included. You pay the normal fee.
This also sets the campaign apart from many others, because when it comes to particularly simplified health issues, additional insurance is often very limited or cannot include any benefit or contribution dynamics. But that is not the case here. You have a full contract, also for the future.
How can I conclude the contract?
You cannot conclude the contract yourself online; you need an insurance broker like us. If you can answer all of the above questions with NO, please book an appointment with my employee Thomas. Here is the link.
If Thomas’s appointments are already sold out in the next 2 weeks, please book an appointment with my colleague Caroline. Here is the link.
During the appointment, we will go through the questions with you, say exactly how high the contribution will be for you and discuss the contract structure. After that it should go very quickly!
Why you shouldn’t hesitate!
Experience has shown that such special promotions are limited in time. As soon as a certain quota of applications has been received by the company, they stop the campaign.
We never know beforehand how long the promotion is valid. It may be open for another 4 weeks, but it may also be closed again in 1-2 weeks.
So if you know exactly what you want and want to secure this BU protection for yourself, then it’s best to book an appointment today and don’t put off the topic any longer. Such actions are very, very rare. Take your chance!
Please find out in advance what an AU clause is in this article and what the contribution and performance dynamics are in this article! You can find information about the additional insurance option here.
