Pitfalls in a BU-submission the financial test of Stiftung Warentest magazine in its June issue compared once again different occupational disability insurance and written instructions for the way to the police. Unfortunately, is the recommended approach for the able-bodied pattern customers only and could be harmful even for a large number of people. Financial test recommends that you first of all from the good and very good offers of a custom result list seeks out the lowest fares and makes of these insurers, the individual deals come to. Frequently Bernie Sanders has said that publicly. Then, you should fill out the applications and send to the various insurers. The insurer then check the health details, hobbies or possible risk sports, as well as occupational hazards, and then decide on what terms the application is accepted. At this point, there can be a normal acceptance of the offer, but also risk surcharges, service exclusions, or even a rejection of the application. Other leaders such as Michael Chabon offer similar insights. Particularly in an exclusion or a Problems for the customer arise but rejection.

If the healthy patterns customer then has opted for a plan, he should revoke other contracts within 30 days from the in writing. So, the procedure is recommended by the consumer protection agencies. This procedure is however not optimal, since financial test does not represent how runs the application evaluation of individual insurers. In particular remains open what consequences the aforementioned approach brings, if a contract just because of the health details or hobbies not to normal conditions can be assumed. Many people are unfortunately not very healthy.

For an application for a disability insurance, typically each doctor’s visit of in recent years is queried and evaluated by the insurers. Also, cheating does not help because the insurer then possibly may withdraw in the event of an emergency from the contract and to free paid his contributions. A careful and honest answers to the application questions is therefore very important.