One in four employees will be affected by disability (MORGEN & MORGEN, 2013), the benefits from the statutory pension insurance will not be enough, to secure your current standard of living.
That’s why HanseMerkur and the Advigon offer you suitable products to secure you and your loved ones.
The constant risk: incapacity for work…
Incapacity for work does not only affect accidents but is largely caused by serious physical and mental illnesses (cancer, burnout, etc.), which prevent us from continuing to carry out our profession.
Benefits from the statutory pension insurance are often insufficient and money from professional associations must be fought hard again and again. In the event of partial disability, the statutory pension insurance provides only about 15% of the last gross income, which means that you will only receive benefits if you are no longer able to work for 6 hours per day in any profession.
However, in order to provide you with benefits earlier, we offer you appropriate protectionin the event of accidents, serious illnesses and mental illnesses.
Would you like to learn more about your current insurance or what you are entitled to in the event of an accident? We advise you comprehensively!
…with our protection!
It is not only in professional life that the risk of incapacity for work (BU) is looming, but circumstances can arise during studies, at school or during training that make it difficult or completely prevent entry into working life.
That’s why our rates can be completed from the age of 15 to provide the best possible security for your children and themselves.
Please contact us, we will advise you comprehensively in order to find the right security for you!
Schon für 25,45 € im MonatRequest adviceInitial information
The most important questions about disability insurance
You are free to choose how much your pension should be if you become incapacitated. In addition, insured persons under 35 have the option to increase their insurance sum (maximum doubling).
We always recommend choosing the final age in such a way that the disability pension and the old-age pension merge without gaps or overlaps in order to obtain the best cost-benefit factor.
Disability insurance already applies from a partial disability of at least 50%. This means for you, if you are unable to carry out your previous profession due to a physical or mental illness for at least 6 months, we will pay your pension and support you!
In particular, newcomers to the profession are at great risk, as they usually do not meet the requirements of the statutory pension scheme for a disability pension (5 years insured, 36 months of contributions paid) and in the event of an accident or an accident or a illness as a rule, no benefits can be expected.
In any case, we advise you to do so, since accident insurance is only paid as a one-off benefit and the degree of disability is also an important factor for the payment amount, so it cannot be calculated in real terms.
That is why we advise to coordinate the two, which means that the accident insurance for one-off expenses (conversion of house or apartment, new car) and the disability insurance for continuous pension payments is used.
The "abstract referral" refers to a clause in some insurance contracts which is based on the conditions of the disability pension from the statutory pension insurance. The insurance company may refuse the benefit if the insured person, who previously worked as a manager, is no longer able to carry out this profession, but can work as a gatekeeper, for example, no pension is paid.
But since we are a mutual insurance association from HanseMerkur, we do not leave any backdoors open and have not included such a clause in our contracts, so that you are always on the safe side!