One careless moment – ​​and your whole life is turned upside down: a fall, a fire, a legal dispute. What often remains is not only the shock, but also the existential fear of financial repercussions. But those who have made proper provisions can breathe a sigh of relief more quickly.

Storytelling:
When Julia could no longer work after a bicycle accident, her future was uncertain. But thanks to her disability insurance, she didn't have to worry about her livelihood. Instead of fear, she was filled with confidence and new plans. Today she works part-time and has rediscovered the joy of life – because she had planned ahead.

Risks for target groups

• Families: Loss of income, liability claims, illness

• Pensioners: Need for care, legal protection issues

• Entrepreneurs: Business interruptions, liability, legal disputes

• Singles and young adults: disability, accidents, protection of livelihood

Relevant insurances

• Personal liability insurance: Covers damages to third parties – essential for everyone.

• Disability insurance: Secures income in case of illness or accident.

• Home contents insurance: Protects property against fire, water, and burglary.

• Health insurance: Important to be covered in case of illness.

• Supplementary long-term care insurance: Especially useful for older people to cover care costs.

• Legal expenses insurance: Helps to enforce rights, for example after a traffic accident.

Reasoning for the recommendations

According to Stiftung Warentest, these policies are an essential part of basic protection. They cover the biggest financial risks of everyday life and thus protect quality of life and livelihood.

3. Prevention and practical tips

Tips for damage prevention

• Families: Install smoke detectors, complete first aid courses.

• Pensioners: Eliminate tripping hazards in the house, arrange powers of attorney early.

• Entrepreneurs: Develop security concepts, review cyber insurance.

• Everyone: Regular review of existing insurance policies.

Regional contact points

• Consumer advice centers

• Local fire department for fire safety advice

• Medical associations for preventive examinations