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Basic skills insurance

The basic skills insurance is one of the workers insurance. As the Occupational disability insurance , it pays you a monthly pension in the event of a benefit. However, the trigger for benefits is different from that for occupational disability insurance. Because, as the name suggests, you will be paid the agreed monthly pension if you have lost one or more basic human skills (e.g. seeing, speaking, sitting). The insured basic skills differ depending on the provider.

This makes basic disability insurance a serious alternative to disability insurance. In the following article you will find out how the basic skills insurance works exactly and whether this labor insurance could also be useful for you.

Learn in the next 5 minutes:

  1. When basic skills insurance pays
  2. Which basic skills can be insured
  3. For which people this insurance makes sense
  4. You have to pay attention to this when you graduate

How basic skills insurance works

As already mentioned in the introduction, basic skills insurance works similarly to occupational disability insurance. There is also a monthly pension in the event of benefits up to the agreed end of performance age. However, when it comes to basic skills insurance, it is not decisive whether or not you can still carry out your last job.

Loss of one or more basic skills is crucial

The loss of elementary basic human skills is the trigger that triggers the payment of the agreed basic skills pension.

In addition, with really good providers, the basic ability pension is paid out even if you need care or dementia.

One or more basic skills no longer exist

Depending on the provider, one or more basic human skills no longer have to be present in order for the insured pension to be paid out. In addition, there are major differences in which basic skills are insured with the respective providers. More on that in a moment.

Duration of the loss of basic ability

Here, too, there are significant differences between insurers and tariffs. Many insurers require that the insured basic capacity must expire for at least 12 months, before a benefit is paid. Better providers only require, for example, only 6 months.

Which basic skills can be insured

As already mentioned, this depends very much on the choice of insurer and the basic capability tariff. Below we have listed insured basic skills directly from the conditions of what we consider to be a very good insurer. This should give you a first impression of which basic skills are generally insurable.

See : You can see a maximum of 5% in each eye. Or your field of vision is no more than 15 degrees from the center in each eye.

Listen: You can hear a maximum of 20% in both ears.

Speak: You can no longer articulate yourself clearly through language.

Mental capacity : You can no longer carry out everyday activities because, for example, your memory or your concentration are severely restricted.

Responsible action: A court has ordered legal care for you. The basis is a psychiatric report.

Cardiac function: The pumping capacity of your heart is severely restricted due to illness or injury.

Lung function: Your lung function is significantly reduced due to an illness or injury.

Sit : You can no longer sit for 20 minutes. Not even if you change your position or lean on armrests.

Write: You can no longer write 5 words that have at least 10 letters with either your left or right hand.

Manual and dexterity: You can’t turn the tap on and off with the left or right, or a clothespin

Walking and climbing stairs: You can’t walk 400 meters or go up and down a staircase with 12 steps – not even with a break.

Stand: You can’t stand for 10 minutes without supporting yourself. Not even if you change your posture.

Kneel and stoop : You can no longer kneel or bend over to touch the floor with your fingers and then straighten up again.

Balance: You can no longer climb ladders, stairs, scaffolding or roofs without a greatly increased risk of accidents.

Use of an arm : You can use the left or
Do not spread the right arm in front of and sideways for 10 seconds at shoulder height, hold and turn.

If ONE of the basic skills mentioned were to be lost with this insurer for at least 6 months, you would receive the insured basic skills pension.

Additional modules possible

Often you can also insure additional skills, for example:

  • the psyche (e.g. illness from severe depression for at least 12 months)
  • Driving license (if this is withdrawn for health reasons)
  • lifelong foster pension

For which people the basic skills insurance makes sense

As a rule, occupational disability insurance is still the first choice when it comes to fully covering your workforce. But in many cases an occupational disability insurance is simply not possible because, for example

  • There are already too many previous illnesses (especially previous mental illnesses)
  • The occupation practiced in the disability insurance is classified in a high risk group and thus the contributions are unaffordable

People with pre-existing conditions and skilled trades

This is where the real advantage of basic skills insurance becomes clear. Because through this, people with various pre-existing illnesses (especially psychological ones) and people with professions that are physically very demanding receive good protection of the workforce at an adequate price.

Fewer health issues than with disability insurance

In particular, the health issues are by far not as extensive with some providers as with occupational disability insurance. For example, we have already been able to accommodate many people with basic skills insurance who had absolutely no chance with occupational disability insurance.

You have to pay attention to this when you graduate

As already mentioned, the most important thing when choosing the right basic insurance is the terms and conditions of the insurer. Which basic skills are insured? When does the basic skills insurance pay out exactly? Is the loss of one basic skill enough or does it have to be several?

Always get a professional for basic skills insurance

As is so often the case with insurance companies, you shouldn’t dare to go it alone with basic skills insurance. Why also? Advice from us as a free insurance broker, for example, costs you exactly € 0.00 more than if you try to fight your way through the tariff jungle yourself.

Free and personal online advice from anywhere

With our free online advice we can talk to you in a totally relaxed manner, discuss your wishes and coverage requirements and then find the right insurance coverage.

So take a look right away our page for free online advice stop by and check if there is a free date for you.