Dread Desease Insurance
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If a fatal disease such as cancer, heart attack or multiple sclerosis is diagnosed or a treatment such as a bypass surgery is required, then the traditional means of financial security do not apply.
So far, people have focused on the survivor’s protection or a sickness allowance. However, a coverage gap always arises when illnesses keep a self-employed person or freelancer away from the company for a longer period of time.
Not every illness means the immediate withdrawal from professional life.
But they often mean a reorientation of the way of life – and that costs money!
The dread disease insurance already provides for the identification of certain serious diseases or in the application of certain treatment methods.
In addition to cancer, heart attack, stroke, multiple sclerosis, kidney failure and bypass surgery, almost 30 other diseases are among the services offered by many insurers. And the premium differences are huge.
Choose from cheap to expensive insurer, from low to extensive services. In principle, comprehensive protection against the existence-threatening diseases causes costs that are about 20% – 30% higher than the premiums of a classic life insurance.
The dread disease policy is a combination with a capital, risk or pension insurance.
With this combination, you can secure a far-reaching provision – according to your individual needs.
Another plus: in the event of illness, the insurance coverage of the main insurance remains. The dread disease policy is also fully tax-deductible within the legal framework.
In any case, intensive research is required here that only a partner with market transparency can provide in a qualified manner. Because the premiums vary depending on the range of services, ie the extent of the catalog of insured diseases. A pure price comparison does not automatically lead to the cheapest and best of all best proposal.
Only independent advice helps to find the best proposal for you in detail, use the possibility of a consultation with us.