What does “abstract” reference mean?
The phrase "... or to carry out another activity that he can do based on his training and experience and that corresponds to his previous position in life (referral occupation)" is also referred to as "abstract reprimand".
This means that the insurer can refuse the benefit if the insured person can be referred to another profession that corresponds to "their previous position in life" as well as "training and experience". In case law, the current position in life is often considered to be maintained even if the income is 20% lower than before.
An example of such an abstract reference would be: A surgeon can still hold consultation hours or act as a medical advisor even after losing a finger. The risk of finding such a job then lies with the insured person.
You should therefore definitely note that your own BU insurance excludes an abstract referral!
Here you can request a non-binding offer for BU insurance from our cooperation partner CosmosDirekt.
The insured person can be referred to another profession that corresponds to "their current position in life" as well as "training and experience".
