The fear of a serious illness is the greatest fear of the future for Germans in 2020, according to the risk report from Ergo. Compared to the previous year, this value has increased by five percentage points (40 percent). This must be distinguished from the expected risk of “falling victim to a virus epidemic” in the next few years. In 2019, 16 percent of respondents said they were afraid of it, this value doubled in the Corona year (30 percent). This confirms older study results from the summer of 2020 (Versicherungsbote reported).
Germans see the greatest hope in 2020 in “medical progress”; half of the respondents state that. A figure that was determined before the latest advances in the fight for a vaccine became known.
Corona as a conclusion driver for insurance companies?
For the first time this year, the risk report also asked about attitudes towards technological innovations. It showed that six out of ten respondents prefer a voice assistant over the phone to a human. A result that should make Ergo happy. In addition, more than half of those surveyed (58 percent) consider it important to take out insurance online. For one in four (24%) this is even a must.
But can it be concluded from this that personal contact with a contact person can be dispensed with? An online survey commissioned by Arag comes to the result that 23 percent would like a personal contact person to continue to be a personal contact person. In the 18- to 34-year-old age group, this desire is more pronounced at 27 percent than in the other age groups, despite an affinity for the digital world.
Willingness to take out legal protection and provision
Another customer request that the Arag survey identified relates to the flexibility of insurance contracts. 33 percent of all respondents want contracts that can be adapted to changed circumstances at any time. A wish that certainly does not fit every division.
A total of 20 percent of those surveyed said they were thinking about taking out insurance. Legal protection products (32 percent) and supplementary health insurance (21 percent) are particularly in demand among these respondents who are ready to take out a contract.
At least the interest in supplementary health products also confirms older surveys that see the precautionary idea strengthened by Corona. The latest Continentale study also comes to this conclusion. The increase in importance of old-age provision topics is particularly strong among low-income earners and people with little formal education. “The corona pandemic has clearly made many people aware of the issue of old-age provision. In particular, those who are particularly at risk of old-age poverty because of their low income, ”summarized Dr. Helmut Hofmeier, Head of Life in the Continentale Insurance Association, summarized the results.
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