Disability insurance comparison 2014 of the BU test winner also the financial and business magazine focus money runs at irregular intervals a disability insurance through test & comparison. The last disability insurance conducted a test focus money in 2010, the next occupational disability insurance comparison is expected 2014 according to disability insurance test-vergleich.com. Support for the implementation of the BU test 2010 received focus money from various recognised rating agencies such as Franke & Bornberg, standard & poor BBs, Fitch, Moody BBs, A.M.Best, Assekurata and Paul. The consumer pays insurance especially on the price when choosing a suitable BU. Focus money recommends to look not only at the price, but primarily to study the contract terms and conditions of the contract.
Thus it saves lots of hassles and disadvantages later in case of damage. The contractual terms and conditions of a good BU insurance waive the clause of the abstract reference, give a short A period not exceeding 6 months and allow the free choice of doctor. The disability insurance test 2010 by focus money in August in issue 24/2010 of the journal appeared. The BU test examined only rates of the independent disability insurance (SBU). Also before selected on very high-quality Premiumtarife. Only such BU were tested rates and compared, waive the abstract reference, providing full power when a disability of 50% and which pension pay the BU already from the first month of disability.
The price and the customer experience, especially the comprehensibility and transparency of contract terms and contract terms were important criteria in the test. Also the guarantee of insurance without further risk assessment, as well as the handling of unemployment and financial problems were considered as test criteria in the assessment. The tester by focus money placed great value on the review of the financial strength and solidity of the BU Insurers. The soundness of an insurer is so significant because it decisively determined the long-term stability of the premiums. In the BU test 2010 by focus money an age of 30 years, a duration up to the age of 65 and a monthly BU were taken as sample data pension of EUR 1,000. Two tariffs were chosen to test winner in the BU test 2010 by focus money. The tariff relief plus the Alliance as well as the tariff of SBU comfort (BioRisk) the WWK achieved the top grade of 1.3 and occupied the top spot for both. Close behind with the overall score 1.4 landed the fare of SBU (Golden BU) the LV 1871 in second place. The overall grade of 1.5 and thus ranked third SBU reached rates of the following 6 suppliers: generali, Debeka, Nuremberg, dialogue, people welfare federal and HDI-Gerling. There are other calculations of occupational disability insurance here