Vocational disability insurance: students

Vocational disability insurance is very useful, especially later in life. This comes into force exactly when you can no longer work due to physical or mental illness. Even as a student, it can be well worth taking out occupational disability insurance.

Vocational disability insurance for students

If you can no longer practice your profession, for example, if you can no longer use your fingers, but you work as a masseuse, then in this case the occupational disability insurance comes into force. So this is useful if you can no longer work in your profession due to physical or mental illness. Usually, most people think about an insurance only during their first permanent job. But even as a student, an occupational disability insurance can be worthwhile.

1. Many insurance companies already offer various insurance policies for students.
2. Since especially nervous disorders and mental illnesses with almost 30 percent of the most common reasons for occupational disability, this can also affect younger people.
3. In addition, as a young professional you are usually not entitled to a state disability pension. In this case, additional criteria must be met, such as a minimum insurance period.
4. If you take out the insurance while you are still studying, you can also benefit from lower premiums.
5. As a student, you are usually classified in the same occupational group, regardless of the course of study.
6. Also note that the selected insurance offers adjustment options.
7. As a student, you should set the amount at a flat rate of 1,000 euros. Dieser kann bei den meisten Versicherungen später angepasst werden, sobald Sie arbeiten.