Is risk life insurance possible despite pre-existing conditions?

When the GDPR applies, how does Schufa handle it? They also rate someone negatively, and the banks can check it.

If the GDPR applies, how does Schufa handle it?

In principle, you always get a document presented that the bank or contracting party transmits data to Schufa and which data and for how long they are stored, etc. (If you google "Schufa notice" or similar, you will find some templates along those lines). It is quite possible that there is something similar among insurers as well, but I would not assume that they quietly pass it on behind your back without telling you, because no one would notice. The topic of GDPR has simply been too big in recent years for that.

There you explicitly allow Schufa to pass it on only to the requesting bank. It may be similar with insurers, but I have not seen that in my case. At most, you release your doctor or your health insurance.

With the consent of the data subject, everything is possible, even under the [DSGVO]. Through legitimate interest, quite a lot is even possible without consent.

But all of that is possible and is called HIS

You seem not to have understood me correctly, you should choose the insured sum decreasing in line with the decreasing loan amount, that reduces the premium.

I have understood you correctly so far. With Cosmos it would also be like that, the premium would initially rise but then fall over the years. With Württembergische it is just not like that. The broker did not offer it and I forgot to ask, but I think after passing the health check it can certainly be changed retrospectively.

He doesn’t seem to want to understand anyway: please find a broker who asks anonymously… you’ve only made things worse with your inquiries and rejections…

Yes, I am a bit (very) naive. The fact is, I won’t do anything now until I have feedback from the two applications. That means from Württembergische I have already received feedback that they are not rejecting me immediately but will first check with my family doctor. Nothing yet from Cosmos. And yes, I also fear that I made it worse with the applications. And even if the insurers are officially not allowed to pass on data thanks to GDPR, I still think there are corresponding loopholes.

But it all works and is called HIS

Interesting. Have the insurers been allowed to pass data to HIS? They themselves say that it is GDPR compliant but in contrast to Schufa, where you sign that the bank or whoever may ask there, I don’t know that I have signed anything directly for HIS. Still good to know. If I get rejected by both insurers, I’ll make a self-disclosure there. Okay, I’ll get back to you when I know more. Hopefully by next weekend already!