Unable to work – now what? For many, the diagnosis of “unable to work” comes as a surprise, far too quickly and completely unprepared. This is where BU insurance comes in, which is best taken out as early as possible - but what exactly is BU insurance? more precisely: BU insurance for students ?
BU insurance - what is it?
Occupational disability insurance is a branch of disability insurance. Such insurance is essential for all those who want to protect themselves in the best possible way for their future, for all those who are considering occupational disability insurance - for everyone. BU insurance generally prevents the BU insured person from declining in their professional life if they are no longer able to participate in professional life.
A great thing – this is exactly why there is BU insurance for students. You can find more detailed information about BU insurance for students here .
“Oh, I’m a student, I’m still young. Besides, I don’t have any money for that kind of thing” – you might think. But it's not like that. Unfortunately, it can happen to anyone, at any time. The BU insurance for students is, as the name suggests, aimed at those among us who are not yet earning big money but still want to insure themselves in good time. For a variety of reasons, people, young and old, become unable to work and are dependent on help - these are not just physical illnesses, but increasingly psychological illnesses too!
Here is a brief overview of the most common causes of BI:
The top causes of BU are mental and nervous disorders such as depression, anxiety and stress disorders. These can be a problem even in early student life - even in this actually beautiful phase of life, many people struggle with anxiety and, above all, stress disorders, which should not be underestimated, be it university pressure or other stress that gnaws at their nerves.
This is where it makes sense to think about BU insurance for students. These are tailored to the needs of students in terms of price and content.
Mental illnesses account for a fifth of the causes - closely followed by physical illnesses such as diseases of the skeletal and musculoskeletal system, cancer and other malignant tumors .
Almost 10% of all BU cases are caused by accidents - of course you wouldn't wish that on anyone, but the rule still applies: it's better to be insured too early than too late.
Diseases of the heart and the vascular system are at the bottom of the most common causes of BU, which should not be underestimated.
The overview shows: The majority of all employees are paralyzed by mental and nervous illnesses. In the best case scenario, of course, this doesn't have to happen - it can also happen very late, but unfortunately sometimes earlier than you think. And since no one can be sure if and when it will happen to them, there is BU insurance for students, which does exactly what the word promises: insurance that is specially tailored to students.
I would therefore like to recommend one thing to you: take advantage of this BU insurance offer for students. Complete it once and never have to think about it again: “What do I do if...?” The good thing is: the earlier you get in, the cheaper! So when is a better time than during the student age? Specially tailored to the needs of a student, the occupational disability insurance for students scores with a cheap, flexible and international offer. By paying tiered contributions, it is easy to get affordable insurance even if you have a smaller wallet. You don't know where your life is taking you yet? Who knows at our age! It's good that the BU insurance for students is so flexible and the BU protection adapts to the current life situation - even if something changes that wasn't planned. Plans abroad? That is not an obstacle either. As long as you are resident in Germany when you sign the contract, the insurance will also apply while you are abroad.
So you see – BU insurance for students is a great thing that every one of us should definitely get. Because: You never know what will happen.
You can find out more detailed information about student occupational disability here .
Sometimes it's better to be too early than too late.
Photo credit: gratisography.com
You can find out everything about occupational disability insurance for students and the most common causes of disability here!
