The risk of no longer practice his profession to be able, as is generally underestimated. About one in four workers must stop working before retirement age, it affects about 300,000 cases a year! And it affects not only older workers, even in the age group below 40 years now occur each year to more than 20,000 disability cases. A special role is played back, in particular diseases and psychological problems and disorders. Especially in case of emergency, it is important to be able to rely on his insurance. But the insurers obligation to examine their occurrence exactly. We show you the cases in which the professional liability insurers may even refuse the performance and how to protect yourself. 1. Current premiums are not paid, as with all insurance companies is also in the disability insurance coverage only if the premiums are paid regularly and on time. Once the policyholder is at a rate in default, the insurer a reminder with atwo-week period for payment to send. Then follow any premium, the insurer from liability if the insured event occurs. The subsequent additional payment of the insurance premium can not be revived! 2. False information on health issues as a policyholder, you should be particularly careful with the health issues that are also on long-standing illnesses or treatments (eg related operations). Who does this intentionally or even unintentionally false or incomplete information, risked his insurance! The insurer may refuse admission to any event, his performance, even if the silent disease associated with the acute power just in case no connection. The insurance company can then resign because of contract fraud. Premiums already paid are not refundable. However, only one of back period can be requested at the conclusion of the contract of 10 years for hospital treatment and 5 years for outpatient treatments. 3. No abstract reference to disabilityMany insurance policies may include the following clause: “Complete Disability occurs when the insured person due to illness, injury or revocation forces that are medically prove likely to be permanent is unable to practice his profession or other activity performed on the basis of his knowledge and skills and can be equivalent to his previous position in life. “This so-called abstract referral means that the policyholder will not be as incapacitated if he can carry out other appropriate activities. This clause is bad for policyholders, mainly for two reasons: The concept of reasonability reasonability is stretchy, the training and the professional knowledge gained, the work to date content and content classification play a role. For example, a sedentary activity are similarly stored as a reference for a standing activity for health reasons can no longer be exercised. TheConsequences in detail, however, remain vague. In extreme cases, this only means that a graduate needs to engage in any activity as a night watchman. In other cases, however, this clause provides considerable room for interpretation. If one has just become incapacitated and has to rely on your insurance coverage, it’s unpleasant in any case, the insurer may argue for years by the courts on the precise consequences of the referral clause. Availability and loss of income: The abstract referral simply means that a certain other occupational activity is considered reasonable. It does not matter for the policyholder, whether he actually found for the referenced work and a place. According to accept the jurisdiction of the Supreme Court needs of policyholders in the new position an income loss of up to 20 percent of final earnings. It is therefore advisable to conclude a contract only if it renounces the abstract reference. 4. If self-employed and corporate reorganizationProfessionals, the insurance benefit can be omitted if the circumstance that leads first to a disability, can be corrected by a possible reorganization of the operation, eg Disabled alterations or technical solutions which facilitate the work. 5. Intentional self-injury rarely, but still occurring, cases of self-mutilation to get the insurance company performance. No benefits shall be the policyholder who intentionally causes the insured event. 6. With double insurance policy must be advised of any other such existing disability insurance. If the double insurance is not detected, the policyholder may lose the insurance coverage in both insurance companies.
