Accident insurance »Insurance check24

Accident insurance »Insurance check24

Practice cancellation insurance

Compensation insurance in comparison at VersicherungsCheck24

Insure a practical breakdown and lower your own risk! Doctors do not get sick. Freelancers of all industries seem to have an indestructible health and indestructible practice facility …

This belief is widespread at least among outsiders. Who owns a practice, an office or
has another personal source of income, knows better and secures himself.

Who needs a practice insurance?

Some job descriptions and businesses are extremely dependent on the labor of their owner. These industries, which are the target group of a practice insurance, are usually assigned to the field of freelancers. In particular, the concentrated workforce in the person of the owner, his know-how and his presence are important.

Special importance of the practice failure insurance therefore for:

Additional freelance work is added, where personal presence is essential for business success.

Another factor that determines the need for the practice insurance is the possibility of internal representation by a practice partner. If there is already a partnership or partnership, these partners usually take over the representation free of charge and also involve the prevented partner proportionally in the revenue.

Freelancers who do not have this internal representation option are absolutely dependent on the insurance provided by the practice insurance. They may then survive a longer illness, but lose their economic existence through the failure. This idea alone puts additional strain on recovery. In some cases, the lack of coverage through the practice insurance failure also means that a serious illness can not be cured properly, because the freelancer for financial reasons, too early to resume work.

Once again the situation is different when the revenue of the practice is not only due to a personal illness. If it comes to a break in the practice, because due to damage such as fire, pipe burst or damage to the practice can not continue, the practice insurance is essential for survival, until the operation can be resumed.

When does a practice insurance cover?

The obligation to pay the practice insurance depends on the chosen tariff of this type of insurance. The insured event can already occur if the insured person has only limited working capacity. Other tariffs require a 100% disability.

In principle, the insurance provides cover for loss of health insurance if the agreed insured event occurs. This can be very different depending on the tariff and the services selected.

Possible is the service at:

  • Representatives cost insurance
  • After expiry of a waiting period
  • Only in case of illness
  • Comprehensive insurance also as business interruption insurance

The insurance cover is therefore essentially determined by the individual requirements, the expectations of the maximum costs for the insurance company’s insurance against loss of insurance and the tariff services of the provider.

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What should be considered at the conclusion of the practice insurance?

It is important which requirements you put personally to your insurance protection and which requirements are met. For this purpose, an individual risk analysis is usually carried out.

  • Is there already a business interruption insurance?
  • If the loss of earnings is at least partially covered by a long-term illness by a private sickness daily allowance insurance?
  • What costs are incurred by a practice??

These preliminary considerations are not always unproblematic. Particularly in the case of an important insurance such as a practice insurance, the conclusion of the contract should be well considered. Helpful in this case is a consultation by an insurance specialist.

The quality of the advice you recognize that the advice is non-binding and neutral. The focus is solely on your ideas and needs for optimal protection through a suitable insurance for professional insurance.

What costs are incurred at the conclusion of the practice insurance?

In any case, there are no consulting fees. The costs associated with the conclusion of the practice insurance are generally limited to the first premium invoice sent by the provider of the practice insurance as part of the implementation of the contract.

Basically, these costs are composed of:

  • Type and extent of insurance coverage
  • Amount of a possible excess
  • Agreed duration of the entrance of the practice failure insurance
  • Possible discount regulations, which are dependent on the tariff model of the insurance

It is important to make realistic the costs of the insurance against accidents. This includes precise information at the time of conclusion of the contract and equally precise ideas as to which services are really necessary.

How do you find the best insurance for your professional insurance??

There are various ways to find a practice insurance. Extremely comfortable here is the way to select the provider, in which already all other insurances of your practice have been completed.

However, it is questionable whether this always leads to the best value for money.

It makes more sense to proceed in several steps:

  1. Find out about the basic options and tariff models for the practice insurance.
  2. Take advantage of the different types of free advice. This is possible by phone or e-mail. This advice saves time and is done outside and within the practice and office hours.
  3. Determine which main focuses your practice loss insurance should set and which services you do not want to forego.
  4. Conduct an insurance comparison or have it carried out. This gives you an overview of which fares are available.

Comprehensive accident insurance completely replaces the cover provided by other business insurances. Conversely, the practice insurance can be designed so that it supplements the existing insurance meaningful and cheap.

It is important that you have the certainty that you can cover the fixed costs of your practice or law firm without additional deposits, even in the case of a longer downtime. This secures your future career and also protects your family from being burdened with the burden of your office or practice in the event of illness.

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Christina Cherry
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