In the Jungen Karriere there is an interesting article about insurance and students. Particularly helpful is the advice on what aspects to pay attention to when taking out disability insurance. These are:
Performance from entry: Some insurers insist on a waiting period of six months. Only from the seventh month of illness, money is paid out. That's bad. Good tariffs pay retroactively from the beginning of occupational disability.
Retrospective benefits: To also receive benefits for the past in case the insurance claim could not be reported immediately, a disability insurance should definitely include this clause.
Increase in performance: At the start of a career, wedding, promotion, or family expansion, it should be possible to increase the amount of the monthly pension without a new health check.
Global protection: The BU pension is paid regardless of where the accident or illness occurred. Necessary medical examinations should also be possible abroad.
Renunciation of abstract instruction: The insurance refrains from denying benefits in case of illness because one could still pursue a related profession.
Forecast period: Specifies how long the patient is expected to be unable to work and when the policy must come into effect. Poor: expected to be permanent (then three years of illness are required). Good: six months. This is almost common today.
Source:http://www.karriere.de/beruf/was-zahlt-die-versicherung-8954/3/
