After finishing my studies, I finally had the time and leisure to deal with the important things in life: and that certainly includes insurance (as I was to learn later). At that time, I already had some risks covered by my parents, but I quickly realized through a few comparisons (online, as well as with friends) that I was paying quite a lot for it. Family Hofstädter was recommended to me again and again by acquaintances, so I dared to try 2 existing contracts from them and to optimize them in terms of benefits and / or costs with new contracts (if possible).
The motor vehicle liability insurance was one of them, here could be quickly saved 20% with similar performance. The second was my existing health insurance after accident, this was replaced by a very extensive accident insurance, which not only takes over the costs after accident, but also pays out in the case of the case partly very high single benefits and protects me so against the legal gap of the social security. My partner was also included in the contract. In addition, I would then like to supplement this with full private health insurance, in order to get the best medical care not only after an accident. I also plan to do this with the Hofstädters.
At this time I had now actually "only" replace existing insurance. In the course of this, however, I was always sent the corresponding videos from Christoph's YouTube channel in advance, so that I had the opportunity to deal with the respective insurance intensively and comprehensively BEFORE the consultation appointment. So I learned about different options and modules, then came prepared to the online meeting, and was able to ask much more specific and, above all, the right questions. Driven by my curiosity, I then got to know insurances that had been completely unknown to me until then, such as occupational disability insurance or term life insurance, on his YouTube channel. And that very well prepared, and especially in the Austrian legal context. I also learned, for example, what exactly a private liability insurance brings and should be - here I had to my shame, one must almost say, realize that I even already had this without knowing it myself. Again what learned.
The BU topic I had until then absolutely not on the radar, and also completely underestimated. I therefore decided to insure myself against this immense risk, since my human capital is quite high with my 29 years. Since I, like most of us, am dependent on my income from my professional activity, I don't even want to imagine what it would be like (purely from a financial point of view) if I could never go back to work for health reasons due to an accident or illness. Therefore, together with Christoph, I have taken out a comprehensive BU and thus put my life, as well as the life of my future family, on a much more stable footing. Christoph obtained several offers based on my contract requirements, which we then evaluated together, weighed up the pros and cons, and finally decided on a provider. I also liked the fact that the entire process was carried out online, so there were no unnecessary kilometers by car and no travel time.
After the multitude of positive impressions with the Hofstädter family as insurance brokers, I then wanted to tackle the topic of legal protection insurance. We combined and optimized my existing legal protection insurance with that of my partner (my own main residence, of course), and a saving of approx. 30% could be achieved with the same performance.
Even the latest video of Christoph is very interesting for me/us, because we plan to get a dog later. The topic of health insurance for dogs I thought until then for a joke from the daily press - now 15 minutes later I know not only about its real existence, but also about important contract details, variants and advantages and disadvantages and can make the right decision for me with this knowledge.
Due to my personality as well as my technical education, I am very interested in even the smallest details. Mr. Hofstädter Johannes, as well as his son Mr. Hofstädter Christoph, took up this challenge and answered me in countless mails and several online meetings + phone calls every question of mine, no matter how detailed, in detail and professionally. Many thanks again from my side. I think you know exactly who wrote this review ;-). LG