During this stage of life, professional activities tend to stabilise, meaning that – particularly towards the end – cover against the risk of disability becomes less important. As regards other risks (particularly death, property and liability), the individual’s specific risk profile is of particular importance here. It is also important to consider the extent to which professional and non-professional risks are covered through the employer, clubs, etc.
Legal protection - enforce your rights when it counts
A dispute with your landlord, trouble on the road, or copyright issues online? With legal expenses insurance, you’re covered – whether in your private life, on the road, or in your home. This means you can assert your rights without having to worry about high costs.
Accident insurance - statutory insurance is often not enough
Whether it’s a skiing holiday, a fall at home or a cycling accident – accidents usually happen during leisure time. Statutory accident insurance does not cover these situations. Private accident insurance provides you with financial protection, for example through a lump-sum payment or a pension in the event of permanent injury.
KrankenSchutz Stationär - More comfort when it counts
Whether it’s a planned hospital stay or an unexpected operation – in an emergency, receiving the best possible care is what counts. However, statutory health insurance often does not cover the full cost of a private room, treatment by the consultant or specialist care.
PflegeSchutz: What would happen if care suddenly became an issue?
The need for care often takes people by surprise – and suddenly it is not just their health but also their finances that are at stake. Statutory care insurance often covers only part of the costs. By making provisions today, you safeguard your standard of living for the future – and take the strain off your relatives.
Advantage world
An exclusive range of benefits for IGBCE members. Great value for money, excellent service and a variety of special offers, also available to family members and partners.