Vitalschutz Flex covers the basic abilities that underpin your ability to work. Vitalschutz Flex pays a monthly benefit if you lose basic abilities such as sight, the ability to walk, or the use of a hand.
The difference from occupational disability insurance:
it does not matter whether you can still work. The only decisive factor is the loss of a basic ability.
You have two options to choose from:
- Comfort Package: Cover for 30 basic abilities
- Premium Package: cover for 45 basic abilities
Special advantage: Both packages can be taken out without any questions regarding mental health and can be flexibly supplemented with further options. Every working person up to and including the age of 52 will find a personalised solution here.
- A sensible alternative for people who are unable to take out occupational disability insurance for health reasons
- For certain high-risk occupations that are difficult to cover with occupational disability insurance
- Partial capitalisation – up to 12 times the monthly pension possible in the event of a claim
- Always cheaper than occupational disability insurance
- Up to 45 basic skills can be covered
- Highlights sheet (PDF)
L-Check
Your member benefit: Benefits Application Check, or L-Check for short. IGBCE members receive support when applying for AKS benefits. This means that trained specialists help you complete the comprehensive benefits application, including quality control checks.
This simplifies the process in the event of a claim and shortens the duration of the benefits assessment by avoiding the need for further enquiries. AKS-Flex with L-Check – a well-rounded solution.
