welche versicherung bietet noch arbeitsunfähigkeitsversicherungen an?

[Unregistriert]

hallo, leder bin ich auf der suche nicht fündig geworden, kann mir jemand sagen welche versicherung noch eine arbeitsunfähigkeitsversicherung anbietet?

 

[Unregistriert]

Hallo,

groß in Mode ist das Thema Berufsunfähigkeitsversicherung.
Knackpunkte:
-teuer (jeder 4. Deutsche wird aktuell berufsunfähig, die meisten aus psychischen Gründen)
-Astrakte Verweisung ("Sie können gut noch in einer Behindi-Werksatt arbeiten...")
-§ 163 (wenn mich bei der Zahl nicht mein Gedächtnis im Stich läßt!) -> Der Versicherer darf die Prämie nachträglich neu festelegen.

Ansonsten gibt es manchmal in Unfallversicherungen spezielle Vorkehrungen bezüglich Arbeitsunfähigkeit - da heißt es dann Kleingedrucktes durchackern oder Sie lesen eben Vergleiche bei Finanztest und anderen Verbraucherplattformen.

Wenn Sie meine Meinung dazu wissen möchten:
Versicherer sind Kapitalkonzerne, die genauso Renditeziele haben, wie jede andere Bank...
Bei einer Police zahlen Sie bloß und wenn was ist, heißt es "Sie haben hier und da im Antrag gelogen, bzw. wir haben diese und jene Unregelmäßigkeit festegestellt...".
Nochmal: Versicherer sind Konzerne und da ist es wesentlich billiger, erst mal ein paar Agenten auf Fälle anzusetzen, als immer gleich zu zahlen...Diese Agenten sind Profis ihres Faches!
Dazu kommt noch, daß Policen in D. nicht schlecht gespickt sind mit Verkaufsprovisionen. Viele Institute haben ein Vertriebsnetzt, das schlicht nach der Devise aufgezogen ist: Hauptsache Verkauft und Prämie eingestrichen!
Wenn ich mir die Deutschen so ankucke: 10 Policen aber keine Luft zum Athmen, alte Weiber die auf dem Marktplatz Katzenmusik drehen, damit sie genug Rente haben ("muß meine Versicherungen bezahlen..."), dann zweifle ich manchmal an der Finanzkompetenz des Volkes!

 

[jamuel]

Es stimmt, dass die Versicherer alle Register ziehen um Zahlungen aus dem Weg zu gehen, das fängt natürlich auch schon bei der Frage an ob man versichert wird oder nicht. Aber unmöglich ist es dennoch nicht. Es gibt zahlreiche Versicherer die BUVs anbieten und m.M. ist es am sinnvollsten sich von einem unabhängigen Berater aufklären zu lassen.

 

[Unregistriert]

Haben denn die grossen Versicherungskonzerne nicht alle solch eine BU drin?

 

[DarmokLarcade]

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[ThorekHoorhoorm]

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