With over 200 years of history, ALTE LEIPZIGER is a veteran in the insurance market. Particularly in the area of disability insurance, ALTE LEIPZIGER regularly receives top marks. Its disability insurance for students was also rated "Very Good" (1.1) in Stiftung Warentest's Finanztest (07/2019).
This is certainly due to the very customer-friendly contract. Especially with an insurance policy like disability insurance, it's important that the contract is structured in such a way that there are as few cases as possible in which the insurer doesn't pay out or isn't obligated to pay out.
Because disability insurance is expensive compared to other types of insurance, it's crucial to have a comprehensive policy. If a claim arises and the insurer refuses to pay out, it's a disaster. Therefore, based on our assessment and various test results, you're in good hands with ALTE LEIPZIGER.
To determine which tariff or tariff configuration best suits your needs, we recommend scheduling a personal consultation with one of our disability insurance experts. Contact us today for a free, no-obligation consultation.
The ALTE LEIPZIGER offers you the following advantages
- Unrestricted disability insurance coverage for road traffic accidents: Even if you drive stupidly or negligently (e.g., crossing against a red light), the insurance will cover you. No compromises.
- Worldwide insurance coverage: Whether you are in Shanghai or New York, your coverage is valid everywhere.
- 100% benefit in case of need for care: In the event of needing care, you will receive your full pension. Even if you are less than 50% unable to work.
Highlights
- You can until the age of 50 without a renewed risk assessment extend your insurance coverage
- Fair classification : Seven occupational groups ensure a risk-based classification. As a student, you typically start in group 1+ and stay there. This way, you benefit long-term, even if you later become a high-wire artist.
- NEW: Immediate help for cancer – 15 months immediate pension in case of cancer, maximum until the end of the contract.
- Free choice of doctor
- Service guarantee : In case of emergency, your documents will be reviewed within 10 working days.
- One abstract reference is excluded, meaning you will not be referred to another job you could still pursue.
- Tariff design entirely according to your wishes
- Dynamics: Your disability insurance premium increases annually by the agreed percentage. This adjusts your coverage to rising living costs and your income. You decide each year whether or not to accept this automatic increase. This option remains in place for the entire duration of the contract, regardless of how often you decline the adjustment .
- Guaranteed pension increase: This component of your disability insurance increases your disability pension annually by the chosen percentage in the event of a claim. This is particularly advantageous if you become disabled at a relatively young age. In that case, your insurance payout will still grow each year.
Special benefits for students regarding disability insurance at ALTE LEIPZIGER
- Students are covered from the first day of their studies, and not just in the future without a specific job description!
- Fair and professional performance review, based on the specific nature of the student's activities during the performance assessment!
- Excellent conditions, especially for students, confirmed by independent rating agencies!
- The disability insurance grows with you: After passing the exam, the profession you then practice is automatically insured, even if you later change professions.
- Even as a student, you can arrange a monthly pension of up to 2,000 euros.
Interested? Then let our team of consultants calculate a non-binding offer for you now.
Examples
- Dynamics and subsequent insurance: As a student, you start with €1,000 in coverage in a top-risk category or occupational group at a low premium. You can then automatically increase your coverage by up to 5% per year through an automatic increase feature. After 10 years, you'll have coverage of more than €1,500. Of course, you can also increase your coverage upon graduation, marriage, or an increase in income.
- Guaranteed pension increase: If you become disabled at age 40, your insurance payout will increase by up to 3% annually, provided you have agreed to this. This also applies if you remain unable to work until retirement age.
