Hey you! 👋 Imagine you could no longer do your job – due to illness, accident, or stress. Sure, it's not a pleasant thought, but that's precisely why disability insurance so important. Especially if you're just starting your career. Let's explain it all in simple terms, without any technical jargon.
Why even get a disability insurance policy? 🤔
Because life doesn't always go according to plan. If you're out of work for an extended period and have no income, things can quickly look bleak. Disability insurance steps in precisely then, ensuring you still have enough money to live on. Without it, you're dependent on social assistance – and that often isn't nearly enough.
What tariffs are available? 💸
The disability insurance market is huge, and keeping track of everything isn't easy. Here are the basics:
- Entry-level tariffs:
- Start cheaply and pay a little more later.
- Perfect if you're at the beginning of your career and don't have a large budget.
- Classic tariffs:
- Slightly more expensive, but stable contributions from the start.
- The better choice if you can afford more.
- Dynamic tariffs:
- The premiums and benefits increase a little each year – so it adapts to your life.
How much does this cost? 🤑
It depends on what you do and how old you are. But as a rough guideline:
- Entry-level rates: 30–50 euros per month
- Standard rates: 60–150 euros per month
If you have an office job, you usually pay less. Physically demanding jobs like manual labor cost more – logically, because the risk is higher.
Which disability insurance policy is right for me? 🧐
The most important rule: Get it done early! Because the younger you are, the cheaper it will be. Make sure that:
- The disability insurance covers 60-70% of your net income
- There is no "abstract referral" (meaning they cannot simply refer you to any other job).
- You can adjust the contributions and benefits later.
Entry-level plans are often a good starting point, but don't be lured in by the prices. Always look closely at the details.
How does Risk-BOT help you? 🚀
Don't want to wade through contract details? We understand! That's exactly what Risk-BOT . We check the rates for you, explain what's important, and help you find the right disability insurance policy free of charge. No commission-based fees, no hidden costs – we simply want you to be well protected.
Many young people underestimate the importance of this topic or think, "I don't need that yet." But the sooner you take care of it, the better – and cheaper! We'll clear the way for you so you don't fall into any subscription traps.
So, what are you waiting for? Get support from Risk-BOT and let's work together to ensure you don't have to worry about your future. 😎
Just drop by or write to us – we're here for you!
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