Is risk life insurance possible despite pre-existing conditions?

  • Erstellt am 2021-11-01 15:46:01

Snowy36

2021-11-02 07:25:49
  • #1
It’s best if you contact an advisor who knows about this ..... it worked with [ins] ... my RLV is a bit more expensive than my partner's .... And be careful: please conclude 2 contracts crosswise!
 

ypg

2021-11-02 07:48:53
  • #2
There are always insurances without health checks... and as mentioned above... "the last two years"... just have a look. And if so, you might pay 18 euros instead of 15... You don’t have to tell us or anyone on the web that. No one’s business.
 

Daniel-Sp

2021-11-02 07:55:30
  • #3
As medication is taken regularly, there is currently medical treatment...
 

Tolentino

2021-11-02 09:24:51
  • #4
If the bank requires an RLV, it is also possible that you can get through a group insurance within their corporate network without a health check. But yes, an independent insurance advisor (so not Allianz or Ergo or something like that, but truly independent) would be best.

Best regards

Tolentino
 

AllThumbs

2021-11-02 09:43:40
  • #5
We did it back then through Europa RLV. For example, there is an offer for securing a real estate financing with only 2 questions and you can reduce the coverage annuitized along with the remaining debt of the loan. There is one restriction: the amount for the RLV may not be higher than the loan. With insurance via cross coverage, the offer could therefore only be used for half of the loan amount each.
We then did it back then so that my wife secured the full amount with the 2 health questions and I also went through the full program with all questions and tests for the full amount.

The 2 questions also refer here to the last 2 years:

    [*]Have you in the last 2 years been examined, advised or treated or had complaints regarding: cardiovascular system, blood vessels, chronic gastrointestinal diseases, pancreas, kidneys, urinary tract, liver or gall bladder, benign and/or malignant growths (tumor diseases/cancer), leukemia, diabetes, laboratory values requiring control outside the norm, psychological or neurological diseases, chronic respiratory and lung diseases, rheumatic diseases and collagenoses, HIV infection/AIDS, alcohol, medication or drug abuse? Preventive examinations without pathological findings, thyroid over- or underfunction are not relevant.
    [*]Have you regularly taken medication in the last 2 years (daily for more than 2 weeks, weekly, monthly), or are you currently taking medication? Birth control pills, allergy medications, thyroid medications, dietary supplements are not relevant.
 

HilfeHilfe

2021-11-02 09:43:55
  • #6
Off to the knowledgeable consultant. Not that your doctor always wrote something down because of your lungs
 
Oben