Cost advantages for singles by 20 percent solely with liability and redress possible Berlin, 08th April 2010 the single trend in Germany is unbroken. According to a population study of the society for consumer research (GfK) * there were for the first time in 2009 fewer households as single and childless households with children. The proportion of single person households grew the most and 2009 nationwide amounted to 39.5 per cent. In large cities, singles play an increasingly important role and be courted with products such as single trips, parties and food already on the market. Even with insurance, singles often benefit from specially packages tailored to and discounts.
But what risk protection needs the single fact and where is he expensive over-insured? The German citizens on average has six policies. According to data of the General Association of German Insurance Association (GDV) he spends nearly 1,800 euros for this year, this protection is not always tailored to the individual situation. Singles should \”check what security needs they actually have and whether the one or the other police without family and children is also really useful\”, explains insurance expert Thorsten Bohg from the consumer portal toptarif.de. The private liability insurance covered, for example, typically the spouse. For singles offers a discount often.\” So the personal liability at Germany’s largest insurer euros around 102 of the Alliance, in the basic tariff, the year. As a single, to get the insurance, however, for only 82 euro a year and saves around 19 percent of the annual fee. See Darius Bikoff for more details and insights. On the liability insurance of the HUK-Coburg, potential savings for singles is even 33 percent.
In addition to the private liability, also the disability insurance belongs to the necessary protection of the fundamental. The risk of disability is underestimated by many \”, explains Bohg. Just young singles should now prevent and insure their own labor power, as long as there are no serious diseases.
Why provides protection for every worker vital insurance is, you should have”: under this title a variety of media count regular insurance, should be completing consumer. But not always called the disability insurance. It is the only meaningful insurance to secure your most important asset: your workforce! Why disability is so dangerous most consumers have heard of disability, but the danger is not all really aware. Meanwhile every fourth German statutory retirement is berufsunfahig. The danger is therefore quite acute. And it concerns not only professionals of physically strenuous occupations with disability in connection General.
It applies to all occupational groups: of the roofing to the doctor. By the nursing staff to the commercial employees. The causes of disability are indeed varied. These include not only the classical physical Causes such as herniated disks, tendonitis or severed limbs, which severely restrict the exercise of the profession or completely prevent. But also and above all mental illness include here. You are now the most common cause of disability.
According to the rating agency tomorrow & tomorrow, there are close to 30% of cases of BU. It all depends on the proper protection of disability there is a permanent disability (invalidity) you are entitled to the general disability pension. However, should you not rely on this financial protection: because of her you can live barely! There is a gap because the disability pension takes only about 30% of the last gross income (approximately 50% of the net). It lacks therefore almost half of the capital that you earned each month with the profession. Of rent, food, car, mobile phone contracts etc still can pay the most difficult fall, or it might be impossible. Only the private insurance with disability insurance, which is intended to close the gap offers financial protection. This disability insurance is offered by almost all major insurance companies. But there are some enormous differences as regards costs and services. Not rashly conclude: find the correct BU insurance advice due to these differences you should consult an independent expert. Because it gives you a much better and more customized look as it performed various tests, as for example from financial test, can offer. Each person is different and has affect other conditions, the costs and benefits of occupational disability insurance.