With this right tip, a series of articles on dread disease insurance begins.
The dread disease insurance is a personal insurance, also known in Germany as serious illness insurance.
This has been offered in Germany since the 1990s, but only by a few insurers.
Dread disease insurance is often seen as an alternative to occupational disability insurance, as the insurance claim also requires certain physical impairments.
With dread disease insurance it is always the case that the insurance contract provides for a catalog of certain diseases which, if present, entitle you to the insurance benefit.
All insurers differ in terms of the exact scope of the diseases they cover.
However, there are also numerous legal similarities between all dread disease insurance companies.
This is reported under various aspects in this and the following articles.
One of these things in common is that the insurance contracts contain obligations, i.e. obligations of conduct for the policyholder.
These behavioral obligations are varied and exist at different points in time, namely both before and when the insurance contract is concluded, as well as before, during and after the occurrence of the insured event, i.e. the occurrence of the illness in question.
The insurance conditions of canada life offer a clear example of this.
It says, for example:
Heart muscle disease:
Severe disturbance of the pumping function of the heart due to either an enlargement of the heart cavities or an increase in the thickness of the heart wall.
There must be severe signs of cardiac insufficiency despite optimal drug therapy.
The insurance conditions therefore assume that an optimal drug therapy must be carried out in order for the insurance claim to arise.
Here it can certainly be argued about what is to be regarded as the optimal drug therapy.
It is quite possible that different doctors have different views on this.
The question also arises as to how this clause should be treated if the patient is not paid for the optimal drug therapy by his health insurer and cannot finance it otherwise.
In any case, the example shows that the choice of treatment can have an impact on whether you ultimately also receive the insurance benefit from the dread disease insurance.
It is therefore advisable to read the insurance conditions early on and, if necessary, to incorporate the resulting conclusions into the treatment process.
The aforementioned insurance conditions also state, among other things:
HIV infection as a result of physical assault:
The insurance covers HIV infection after the start of the insurance as a result of a physical assault, which must be reported to the police and documented. The following requirements must be met:
A blood test must be taken within 36 hours of the incident to show the absence of antibodies to HIV virus.
The insurance claim is at risk if the assault has not been reported to the police and documented and a blood test has not been carried out within 36 hours.
Here, too, it can be seen how quickly the claim to the insurance benefit can be forfeited if the provisions in the insurance conditions are not acted upon.
These and numerous other behavioral obligations must be taken into account in order to actually be entitled to the security benefit.
If you have any further problems with dread disease insurance, please take a look at our other articles or contact us for more information.
Photo: Frank Vormbaum / Frank Vormbaum
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