The Body Protection Policy is far more than basic ability
insurance. It offers reliable protection against the financial
consequences of impairments to certain physical or mental
abilities. Furthermore, additional coverage can be selected
through various optional benefits.
Ideal provision for all those who work primarily in a physical
or manual capacity, are artistically active or participate in
professional sports.
If certain basic abilities are impaired, you will receive a
monthly pension. If you have also insured the "Serious
Illness" module, you will receive a one-time lump sum payment
or a combination of both. You will receive this payment
regardless of whether you are still able to work. It is
therefore irrelevant whether your ability to work is limited.
This is what the Allianz Body Protection Policy provides
Monthly pension and exemption from contributions: If one of the
insured basic abilities is expected to be impaired for at least
six months without interruption, you will receive a pension and
will not have to pay any further contributions during this
period. You will also receive a pension and be exempt from
future contributions if, for example, you have agreed to
benefits in the event of a diagnosis of severe depression or
total incapacity for work due to a mental illness (at least 12
months). Additional financial protection for specific
professional requirements and a temporary benefit due to a
longer period of sick leave are also possible, for example.
Optional capital benefit can be included: If one of the
insurable In the event of a serious illness , such as a heart
attack or stroke, you will receive a one-off capital payment
equivalent to one or two annual pensions in return for an
additional contribution.
Both benefits at the same time: If the conditions for both the
monthly pension and the lump sum payment are met, you will
receive both benefits from the insurance.
Increase options: Under certain conditions, you can subsequently
increase the agreed pension – without undergoing another medical
examination. You can also adjust the amount of your pension
through annual increases in contributions. This strengthens your
protection against inflation.
Change option: On certain occasions, such as passing a master
craftsman’s examination and under certain other conditions, you
can become self-employed without a new health check.Switch your
disability insurance . Your premiums and benefits will be
recalculated.
Assistance in securing your workforce: If you lose your ability
to work, we are there for you with a specialService by your
side. This includes a second medical opinion and psychological
support, as well as assistance with social security issues. This
gives you the chance for a faster recovery and return to work.
You can also keep track of the benefits you are entitled to from
social security providers.
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