The insurer has indistinct formulations that not just “accidentally” in conditions, but because you can interpret it paid for or against an insured person. We are talking very quickly by a lot of money in the disability. Look at only a 35th. Even if this pension has only 1,000 EUR, the financial risk is the insurer at 252,000 EUR (time until the 66th year of life). An insured pension of 2,500 EUR is, however, the contract basis, and a 30-year insured is now berufsunfahig, so we’re talking here about 1.110.000 EUR. It is here to understand that the insurer examines very carefully and closely will look to see whether the contractual conditions are fulfilled. Can not reach, a court must decide final.
It takes but a long time and costs a lot of money. The cost risk is when a value in dispute of “only” 500,000 EUR over 25.000 EUR. Without insurance, it is quickly out of reach. And how do I know now that my rate is good and also pays the insurer? Whether the fare is good or bad, can be reflected in the terms and conditions. The clearer and clearer they are formulated, the harder it is to discuss here. Get in the conditions you e.g.
maximum 20% suffered loss of income, then it is a clear fact. Is there, however, by “reasonable reduction” the speech, so can the statement just as or be construed and thus lead to dispute. Therefore make sure you together with your advisor, not price. First, you should read through the work condition and the formulations and understand them. Beth israel newark wanted to know more. What is not clear to you, please ask. Over and over again until you have understood this. Then follows the selection of the amount of the pension and later the price consideration.