The loss of labor means a significant loss of income!
Many people are not aware of this. But you can protect yourself from the financial consequences: With a favorable occupational disability insurance (DI) from Barmenia. ...
Occupational disability insurance is extremely sensible. It protects against the existence-threatening risk and is, next to the private liability insurance, the most important private insurance.
In the event of occupational disability, the occupational disability insurance pays an occupational disability pension that is agreed upon when the contract is concluded.
The costs of the occupational disability insurance depend on several factors such as:
2. distribution of physical, sedentary work
3. management responsibility
4. state of health
How high should the occupational disability pension be?
In order to maintain your standard of living, the following rule of thumb applies: 60% of your gross income or 75% of your net income.
Be careful with online comparisons!
Before you consult one of the seemingly free comparison portals on the Internet, keep the following in mind: These portals are also usually registered as insurance brokers who live off the acquisition commission. There is a risk that only selected providers will appear in the comparison.
An occupational disability insurance without health questions is generally not advisable. Basic disability insurance is recommended here.
Civil servants and judges do not need to ask themselves whether they need disability insurance (DU) or occupational disability insurance (BU), because disability insurance (DU for short) is an additional clause in the terms and conditions of occupational disability insurance. The service incapacity is only confirmed by your employer and the insurer waives its own examination in the case of benefit and recognizes the vote of the employer, if you have anchored your DU clause in the contract. You therefore receive benefits much more quickly and easily than with normal BU.
If you belong to the group of civil servants or judges, you should ideally take out occupational disability insurance with the additional module of service disability insurance. For police officers, there is another special variant of the DU clause.
It is important to know that not every company offers a DU clause. As a civil servant, however, you should never do without this additional module.
Occupational disability insurance for doctors.
It is important for physicians to have the right occupational disability insurance (DI) as a sensible supplement to their pension plan. What should doctors look out for? Doctors are often exposed to occupational stresses that are considered significant risk factors for occupational disability, such as shift work, risks of infection and, above all, psychological stress due to overwork. Private occupational disability insurance is therefore indispensable for doctors.
I have been a customer of Barmenia Insurance for over 10 years and am very satisfied. I have had no problems with repayment of bills, etc. I currently have pet health insurance and have been very happy with it so far.
A big compliment and many thanks for the excellent support for the very extensive billing during my wife's long hospital stay!
More than 50 receipts with several individual records were reliably processed and paid without errors.
Great service. I am happy to recommend Mr. Siebert and Barmenia.
I can't write anything other than that I am very satisfied. Of course, there is always something to improve. For example, the customer service in Wuppertal has a very long wait until someone answers the phone. So here you should work on it a bit. But the advice and support from Mr. Siebert works very well...
If you want to get more information about different insurances to compare, Henrik from Barmenia is your insurance advisor! In the meantime, I have taken out dental and health insurance for my family at a very good price-performance ratio. Henrik not only knows the "insurance jungle", but also explains very well where the differences in benefits lie, so that we were able to individually choose the tariffs that suit us best. At this point, I would like to thank Henrik Siebert again for his excellent advice.
I have been extremely satisfied with Barmenia Rotenburg for years. I have always received a detailed, competent and solution-oriented answer to all my questions. Many thanks to the team of Barmenia Rotenburg, especially to Mr. Siebert. Greetings Christian.
Comprehensive and well-founded advice, without any flogging of features that are not required. The most individual, cost-effective offer is brokered and not the one with the highest commission. In my case, even cheaper premiums than with Check24 for the same insurance, but better performance. I feel I am in good hands here.
Mr. Siebert knows what he is talking about. Very reliable, friendly and competent. He gets to the point and patiently explains all questions. I can only recommend him. We are happy to give you full stars for your advice. We can also be very satisfied with the price in our case and situation. We are happy to give you a recommendation. We felt that we were advised fairly and correctly. Thank you once again.
I have come to know Mr. Siebert as a very competent and also very patient mediator. Always an open ear and understandable explanations. I am happy to recommend Mr. Siebert to others. Great work done!!
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Profile active since 04/03/2020 | Last update: 12/03/2022
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