Occupational disability insurance (BU insurance) is insurance that protects you against financial difficulties if you are no longer able to work due to illness or accident. Although it is an insurance that is usually associated with working adults, it is also very important for students in Germany to take out occupational disability insurance. In this blog post, we'll take a closer look at the reasons why.
One of the main reasons why students in Germany should take out disability insurance is to protect themselves against financial difficulties. If you are no longer able to work due to illness or an accident, this can have a serious impact on your financial situation. Without a regular income, it can be difficult to pay your running costs such as rent, food, bills, etc. An occupational disability insurance helps you to protect yourself financially and ensure that you continue to have an income if you become unable to work.
Another important consideration is that it is much easier to take out disability insurance as a student than later in your working life. As a student, you are still young and healthy, which means that the insurance premiums are generally lower than later in life, when you are older and may already have health problems. So the earlier you take out disability insurance, the lower your monthly premiums will be.
As a student, you may not have decided on a career yet, but it's still important to take out disability insurance. Many degree programs can be stressful and increase the risk of disability during your studies, especially if you major in sports or other physical activities, for example. A disability insurance policy will help protect you in case you have to change your career plans due to an injury or illness.
If you take out disability insurance later in your career, you are sometimes forced to undergo an extensive health check due to pre-existing conditions. As a student, however, you may not yet have had any major health problems, which means that the health check is less extensive and therefore less expensive.
Disability insurance is important for anyone who works and is dependent on their income. However, disability insurance can be particularly important for students in Germany, as they are in financially insecure situations and are still at the beginning of their careers. Disability insurance provides protection against financialdifficulties in the event of disability and helps to cover the monthly living costs so that you can focus on your recovery. If you take out disability insurance as a student, you benefit from lower premiums and a simpler health check. Especially if your course of study is physically demanding or you are at a higher risk of accidents, disability insurance can help you focus on your education with greater peace of mind.
As a student, it can be easier to focus solely on your education and your financial stability in the immediate future. However, it's important to think outside the box and protect yourself for the long term. A disability insurance policy is an important investment in your future and can give you peace of mind that you are financially secure should something unforeseen happen.
Overall, disability insurance is very important for students in Germany. If you don't already have one, you should think about whether such insurance makes sense for you. A good disability insurance policy offers protection against financial difficulties in the event of occupational disability and can give you the certainty that you are covered in times of uncertainty. We would be happy to draw up a comparison for you for your suitable occupational disability insurance.
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