"I had a burnout." – "Can you still make coffee?" – "Yes..." – "Well then, you're not unfit for work after all."

Welcome to the absurd world of disability insurance. While you're slowly but surely spiraling into mental instability at 28, your insurance company says: "Mentally ill? That's not in the employment contract."

Whether nurse, media designer or automotive mechatronics technician – they all have one thing in common: when their head breaks down, often nobody pays.

🧠 The sad reality in Germany

Mental health issues are the most common cause of disability among people under 40.
Burnout, depression, panic disorder – we've all been there. But:
🛑 Insurers often turn you down.
📄 Forms demand diagnoses that even your therapist is reluctant to use.
📞 The assessor calls, asks three questions – and then decides: "There's still hope."

🧩 The 3 biggest myths about BU & Psyche

1. "I have disability insurance – that will pay out, right?"

Not necessarily. If you concealed or misrepresented pre-existing mental health conditions when applying for a job, you'll get: 🧻 Nothing but rejection.

2. "Burnout is recognized, isn't it?"

Only if it's classified according to the ICD and you simultaneously stop breathing, laughing, and answering emails. Spoiler alert: That'll be tough.

3. "My real estate agent said it's fine."

Sure. And Santa Claus will also bring you the guaranteed additional insurance option.

🧪 Everyday example: Lena, 28

Lena is a social media manager and is on the verge of a digital meltdown.
Her disability insurance says, "You can still post three Reels a week, right?"
She replies with an "Okay" GIF—and has lost.
Being mentally stressed doesn't automatically mean you're unable to work.
Because according to many insurance companies, you're only off the hook when you can't even properly label a cup at Starbucks anymore.

💡 Why you need Risk-BOT

🔍 We scrutinize your policy like you analyze TikTok at night.
📄 We show you which clauses will save you – and which will ruin you.
📉 We warn you about clauses like "abstract reference," "delayed reporting deadlines," and "we review each case individually."
🚀 And we give you tips on how to properly protect yourself without commission-based jargon – whether you're employed or self-employed.

Even better:
🎓 In the Risk-BOT Academy you'll learn everything you need.
💸 With cashback up to €100
👥 And membership for just €1 a month – less than your to-go Oatly latte.

It's better to be honest and get insured than to be three times too late.
Because mental health isn't a weakness – it's a matter for solid insurance coverage.
And: Just because you're burning inside doesn't mean your insurer will see a fire.

Risk-BOT puts an end to insurance myths.
📲 Become a member now – and know what really matters.