Experts provide an overview of the insurance jungle: How to protect yourself from existential damage.
Lower Austria. “Every person is unique and therefore has individual needs – a family with children needs different insurance products than an older couple or a student,” explains insurance expert Stefan Kopatsch from Lower Austria. The most important thing when taking out insurance is therefore the consultation in order to obtain the coverage that is best suited to your personal and financial situation.
Die “Top 3”
For comprehensive protection, insurance expert Bernhard Lackner recommends a home/living product that is tailored to individual needs and includes the key areas of fire, storm, tap water and personal liability insurance. Household insurance should also be an integral part of this bundled contract. Lackner also recommends pension provision to secure prosperity in old age and accident insurance.
“The statutory accident insurance is only ‘responsible’ for accidents at work. The leisure sector is not included here,”
explains Lackner. Stefan Kopatsch also points out: “Unfortunately, the majority of accidents happen precisely when statutory accident insurance does not pay out – namely during leisure time.” He adds:
“Private accident insurance covers the financial consequences of an accident and covers the costs of hospital stays, broken bones or physiotherapy.”
Risk: Storm damage
Bernhard Lackner has observed a significant increase in storm damage in recent years. This summer alone, the thunderstorms were extremely intense. The hailstorm in the Waldviertel region, for example, left a trail of devastation. Lackner therefore advises that the natural hazard risk of storm damage should be included in every policy.
trust is important
Finally, Bernhard Lackner adds:
“When making comparisons, please always compare premiums, performance and personal care.”
What is also important is the accessibility of the care, who you trust and how your wishes are handled.
The insurance in a nutshell:
- Household insurance helps you to refurnish your home if your furnishings have been damaged by fire, storm, burst water pipes, burglary or vandalism.
- Private accident insurance is intended to compensate for financial disadvantages resulting from an accident (especially in the case of leisure accidents).
- Private pension provision provides you with better financial security
Well insured: for the well-being of your animal
Dogs and cats are not just pets, they are part of the family. That’s why their health is just as important to us as our own. When expensive treatment is needed, we don’t want to let them down. Pet insurance can reduce the financial burden by covering part of the veterinary or surgical costs, depending on the type of insurance and agreement. It’s easy on your wallet and your four-legged friend gets the medical care he needs.
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