Life holds unforeseen events, and not all of them are harmless. An accident, a serious illness or a physical impairment can change life from the ground up, and with it your finances. The KörperSchutzPolice is a broad insurance solution designed to support people financially in exceptional situations like these and to cushion the effects of physical harm.
In Germany the welfare state does offer basic protection in case of disability or serious illness, but this protection often falls short of maintaining the usual standard of living. For many people the gap between state benefits and actual need is considerable. Self-employed people, freelancers and people with higher incomes in particular cannot be adequately protected by state benefits alone. Private provision is essential here.
The KörperSchutzPolice usually combines elements from several insurance lines, such as accident insurance (Unfallversicherung), daily sickness allowance (Krankentagegeld) and, where relevant, occupational disability cover, into one protection package. This concept covers the policyholder in many different damage scenarios without separate policies. That saves effort and cost and closes gaps between individual policies.
The KörperSchutzPolice is for people who want broad protection against physical risks and value a simple, clear solution. It is especially relevant for working people whose ability to work depends on their physical health, and for people in physically demanding jobs or with active sporting lifestyles, who carry a higher risk.
When choosing a KörperSchutzPolice, look closely at the exact scope of cover: Which events are covered? How is the disability benefit calculated? Is there a daily allowance for hospital stays? Are cosmetic operations after accidents included? These questions should be clarified carefully before you sign.
We help you find the policy that fits your personal situation best, for a life marked by security and confidence.
KörperSchutzPolice: benefits
Monthly pension if insured basic abilities are impaired for at least 6 months. Premium waiver while the pension is paid. Worldwide cover.
Insured basic abilities: Use of a hand/arm, lifting and carrying, pulling or pushing, driving a car/motorcycle, smelling and tasting, dementia (from severity grade 5), work ban under the Infection Protection Act (Infektionsschutzgesetz) for at least 6 months.
Optional add-ons: Benefit for longer sick leave (max. 24 months), mental-health trigger (severe depression, at least 12 months), special occupations (noise exposure, driving jobs), additional care pension with conversion option, serious illnesses (one-time lump sum).
Special features: Increase options without a risk assessment (up to age 50), option to switch to occupational disability insurance without a new assessment, annual premium increase of 1-5%, individual payment breaks of up to 2 years, assistance service.
