Many people want to be insured in case of an emergency. For example, with occupational disability protection that compensates income until retirement if someone is unable to work for long periods of time due to an accident or illness (see occupational disability insurance comparison).
But there’s one big hurdle on the road to life and health insurance: applying for insurance. Those interested have to answer many questions, most of them about health. An insurance company uses the responses to estimate how healthy or sick someone is, and this determines whether and what contract it offers. Understandable, because if a client later becomes unable to work, for example, a lot of money will be at stake. The insurance experts at Stiftung Warentest explain what issues are involved and how applicants should best proceed.
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