Severe illnesses are insurable

Comprehensive private disability protection is not easy to get to everyone. Members of risk occupations such as musicians, artisans and teachers often pay high premiums. If you bring pre-existing conditions get, sometimes even no contract. An alternative to the private disability protection is the critical illness insurance? Insurance in case of serious disease that has been made in recent years, the leap from the UK and the U.S. to Germany and is now offered by many insurance companies. The illness insurance will pay once the agreed amount if the insured listed in the contract serious diseases occur? As cancer, multiple sclerosis, stroke, heart attack or kidney failure. In the power case, the insurer asks not whether permanent disability exists. The medical diagnosis is enough to get the full sum insured. The most common causes of premature disability are in a critical illness policy but not insured. No benefits are there for example, mental disorders and diseases of the musculoskeletal system and the vascular system. The critical illness insurance is therefore not suitable as comprehensive disability coverage. It only comes into question if disability insurance is not to get too expensive or because of pre-existing conditions.