People realize that it is possible not only prevent a large number of disease with a healthy diet and regular exercise, but also that allow the quality of life can be significantly increased.With a healthy lifestyle you are well advised also in professional life. Not only the physical fitness helps in the execution of daily tasks, we are healthy, can also withstand stresses such as stress better. We are sick less often and can also cope with more difficult tasks easier.
What if you get sick yet?
But, unfortunately, does not always help a healthy lifestyle. In spite of good nutrition and regular exercise, we can ill or are injured in an accident. Then, when a longer inability to work following a disability, which means a significant financial burden for many people.
In case of disability, so if you no longer are able to work in your profession because of physical or mental illness, you have to expect only small benefits from the state. Just when you after 1 January 1961 are born, you are entitled to only a disability pension, which makes up more than 30 percent of your last gross salary. This ranges from rare to deny their own livelihood. The only way to effectively make provision here is a disability insurance. This pays in the event of incapacity a predetermined pension.
What to look for?
The contributions for such insurance are calculated based on your age, gender, profession and exercised your health. Therefore, it ‘s worth it early on to complete a BI insurance when you still young and healthy, because in this case expect a much lower contributions. But even if you are still very young, a comparison is still useful, since the individual is priced rates may differ even in the same conditions.
But be careful: Some insurance contracts reserve the right of so-called abstract reference. In this case, the insurance company even with a clear case refuse payments if you is still possible to work – no matter what profession. Therefore, you should always make sure that the Treaty rules out such an abstract reference.