[vc_row][vc_column][vc_empty_space][vc_empty_space][insuranced_title title=”Berufsunfähigkeitsversicherung online abschließen | einfach und schnell” text=”Mittlerweile ist es auch möglich, eine Berufsunfähigkeitsversicherung komplett online abzuschließen. Genauer gesagt bei zwei Anbietern. Diese schauen wir uns nachfolgend ein wenig genauer an.”][/vc_column][/vc_row][vc_row][vc_column width=”1/2″][vc_zigzag][vc_empty_space][insuranced_text_block]The conclusion of a Occupational disability insurance is usually very tedious and time-consuming. Checking applications from the insurer, requesting further documents from doctors or filling out additional questionnaires over and over again are just a few examples. So how much more pleasant it would be to have one Take out disability insurance online could?

This is exactly what two insurers have (currently) recognized and brought corresponding products onto the market. The two insurers are called Getsurance and CommunityLife .[/insuranced_text_block][/vc_column][vc_column width=”1/2″][vc_single_image image=”4440″ img_size=”large”][/vc_column][/vc_row][vc_row][vc_column][vc_zigzag][vc_empty_space][vc_empty_space][insuranced_title title_tag=”h3″ title=”Wichtige Informationen zur Berufsunfähigkeitsversicherung”][/vc_column][/vc_row][vc_row][vc_column width=”1/2″][insuranced_text]

[/insuranced_text][/vc_column][vc_column width=”1/2″][insuranced_text_block]Before you take out disability insurance (online), you should find out which criteria a good disability insurance must meet and how it actually works. In the video, exactly these points are explained and summarized to you in just 5 minutes.

Below are the most important points about a BU in text form:

  • recommended for anyone who works
  • Answer health questions truthfully
  • possibly bring insurance experts with you (if you are not sure)
  • Duration always recommended until retirement (currently 67 years)
  • No abstract references
  • full benefit from 50% occupational disability
  • retroactive benefit from the 1st day
  • Subsequent increase of the BU pension without a new health check

[/insuranced_text_block][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][vc_zigzag][vc_empty_space][vc_empty_space][insuranced_title title_tag=”h3″ title=”Einfacher Online-Abschluss in wenigen Minuten”][/vc_column][/vc_row][vc_row][vc_column][insuranced_text_block]Both insurers, Getsurance and CommunityLife , promise that you’ll have a Take out disability insurance online can – in a few minutes. The risk assessment is also carried out completely online.

If you look at the health questions to assess the risk, you score Getsurance through very few, targeted health issues. At CommunityLife the “normal” health issues that one knows from an application for occupational disability insurance can be found again. That’s not a bad thing, but it doesn’t simplify the online deal either. If a question is answered with YES, you have to work your way through the entire jungle of questions (when exactly did the disease occur, exact description, etc.).


If necessary, get insurance experts

As you learned in the video above, it can make sense to bring in an advisor. But if you are sure of what you are doing and know your medical records exactly, just read on. Maybe you just don’t feel like an insurance broker :-D

Below you can find out which insurer you sell your Take out disability insurance online should.[/insuranced_text_block][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][vc_zigzag][vc_empty_space][vc_empty_space][insuranced_title title_tag=”h3″ title=”Die beiden Anbieter im direkten Vergleich”][/vc_column][/vc_row][vc_row][vc_column width=”1/2″][insuranced_text_block title_tag=”h3″]mobile blog logo 1 300x83 - Take out disability insurance online





n ur 9 healthy security issues

Online deal as soon as possible

Can also be locked with previous mental illnesses

online instant confirmation

Best price guarantee

No abstract references

full benefit from 50% occupational disability

Additional insurance guarantees available

End age 65 preset (must be set manually to 67)

The proposed BU pension should also be increased manually (usually set too low)[/insuranced_text_block][/vc_column][vc_column width=”1/2″][insuranced_text_block title_tag=”h3″]Download cl 300x75 - Take out disability insurance online

Online conclusion possible

Fixed price for the entire term

No abstract references

full benefit from 50% occupational disability

Additional insurance guarantees available

quite a long application process with many health issues

Exemption from contributions not possible in the event of financial bottleneck[/insuranced_text_block][vc_empty_space][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column width=”1/4″][insuranced_text_block]Franke & Bornberg Rating (Employee)

Detailed rating[/insuranced_text_block][/vc_column][vc_column width=”1/4″][vc_single_image image=”4474″ img_size=”medium” alignment=”center” css_animation=”fadeIn”][/vc_column][vc_column width=”1/4″][insuranced_text_block]Franke & Bornberg Rating (Employee)

Detailed rating[/insuranced_text_block][/vc_column][vc_column width=”1/4″][vc_single_image image=”4479″ img_size=”medium” alignment=”center” css_animation=”fadeIn”][/vc_column][/vc_row][vc_row][vc_column width=”1/4″][insuranced_text]Sample calculation:


Office clerk

28 years

€ 1,500 BU pension Insurance request

insured up to 67 years[/insuranced_text][/vc_column][vc_column width=”1/4″][vc_empty_space][vc_empty_space][insuranced_text]

€ 35.54 / month

[/insuranced_text][/vc_column][vc_column width=”1/4″][insuranced_text]Sample calculation:


Office clerk

28 years

€ 1,500 BU pension Insurance request

insured up to 67 years[/insuranced_text][/vc_column][vc_column width=”1/4″][vc_empty_space][vc_empty_space][insuranced_text]

€ 44.57 / month

[/insuranced_text][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][vc_zigzag][vc_empty_space][vc_empty_space][insuranced_title title_tag=”h3″ title=”Ist eine Berufsunfähigkeitsversicherung, die du online abschließt schlechter?” text=”Du fragst dich vielleicht, ob du eine Berufsunfähigkeitsversicherung online abschließen solltest oder doch lieber zum Versicherungsmakler deines Vertrauens gehen solltest. Hat es Nachteile, wenn du eine Berufsunfähigkeitsversicherung online abschließt?”][/vc_column][/vc_row][vc_row][vc_column][insuranced_text_block title_tag=”h3″ title=”Genauigkeit und Ehrlichkeit sind unerlässlich”]Basically, you can’t say that you would drive worse if you took out disability insurance online. Just as it cannot be said that it is always better to take out disability insurance “offline” together with an insurance broker.

You can just as easily get to a bad insurance broker who applies for the disability insurance together with you, but ignores important points.

And this is exactly what matters – in addition to the basic quality of the disability provider.

[/insuranced_text_block][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][vc_empty_space][insuranced_text_block title_tag=”h3″ title=”Die Gesundheitsfragen”]Probably the most important part when taking out disability insurance are health issues. Because this really needs to be answered properly, precisely and honestly. If, for example, you do not state illnesses or treatments here, but they were queried, this can later become a major problem in the event of occupational disability. The insurer may then have the opportunity to give you a so-called pre-contractual breach of duty of disclosure accuse. And if this is confirmed, the insurer is free and you are “the stupid”.

Therefore there is no way around preparing your state of health on the basis of doctor reports, extracts from the health insurance company, etc. and then answering the health questions according to this information.

Getsurance has a great advantage here, because they have “rethought” the health issues and are actually asking them only 9 health questions . These questions are usually a lot more numerous when applying for disability insurance. But of course you also have to answer these truthfully.[/insuranced_text_block][/vc_column][/vc_row][vc_row][vc_column width=”1/2″][vc_empty_space][vc_empty_space][vc_empty_space][insuranced_text_block title_tag=”h2″ title=”Getsurance prüft mit einem Quick-Check direkt online, ob du grundsätzlich versicherbar bist.”][/insuranced_text_block][vc_empty_space][/vc_column][vc_column width=”1/2″][vc_empty_space][vc_empty_space][vc_single_image image=”5179″ img_size=”large” style=”vc_box_shadow_3d” onclick=”custom_link” link=”https://www.financeads.net/tc.php?t=29398C172935670B”][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][vc_empty_space][insuranced_text_block title_tag=”h3″ title=”Deine individuelle Situation”]Everyone has their own needs, security wishes and risks. And the right insurance coverage should be selected on the basis of this. This also applies, or above all, to disability insurance. An employee has to pay attention to other points, such as being self-employed. And for a doctor or a nurse, other disability insurance clauses are important.[/insuranced_text_block][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][vc_empty_space][insuranced_text_block title_tag=”h3″ title=”Online-Abschluss einer Berufsunfähigkeitsversicherung für Selbstständige nicht empfehlenswert”]The previous paragraph shows that especially professional groups who again bear an individual risk should not take out occupational disability insurance online. In my opinion, this applies above all to the self-employed (and future self-employed) and the important ones here Reorganization clause (not relevant for employees) in the disability insurance. Getsurance does not offer optimal conditions here. Other providers offer better and more specific services (especially for academics with 90% commercial or organizational activities)[/insuranced_text_block][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][vc_empty_space][insuranced_text_block title_tag=”h3″ title=”Für Angestellte eine Alternative, wenn…”]… you really know what you’re doing. In other words, you have informed yourself comprehensively, processed your health record and also made sure that the amount of coverage and the duration of the disability insurance ( Danger: with Getsurance always preset to 65 years, 67 years would be recommended) fits.

If you are absolutely reluctant to speak to an insurance broker about insurance against disability, then with Getsurance you have a way of doing it yourself, online and with few health questions.[/insuranced_text_block][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][vc_zigzag][vc_empty_space][vc_empty_space][insuranced_title title_tag=”h3″ title=”Rating der Berufsunfähigkeitsversicherung von Getsurance”][/vc_column][/vc_row][vc_row][vc_column][insuranced_text_block title_tag=”h2″]

The rating house Franke & Bornberg has rated the Getsurance tariff as “good”.

[/insuranced_text_block][vc_empty_space][vc_single_image image=”5193″ img_size=”large” alignment=”center” style=”vc_box_shadow_3d”][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][vc_empty_space][insuranced_button button=”url:https%3A%2F%2Fwww.versicherungenmitkopf.de%2Fkostenlose-online-beratung%2F|title:Kostenlose%20Online-Beratung%20f%C3%BCr%20deine%20Berufsunf%C3%A4higkeitsversicherung%20buchen|target:%20_blank|” color=”#ffffff” bgcolor=”#81d742″ h_color=”#8224e3″][/vc_column][/vc_row]