Which insurances are useful?

With all due respect, but comparing premiums for biometric risks is just as good as saying that a red car cost such and such... and yes, I would not conclude any RiLV or disability insurance without a patient record. There are notification obligations, withdrawal obligations, duties, etc. Believe me, in the event of a claim, you are the one who gets the short end of the stick. Another keyword: Upcoding from the statutory health insurance... Check smoker/non-smoker definitions and report if necessary. The Allianz offers a simplified health check in connection with a loan. What is actually against an internet provider for a RiLV? With your higher premium, you basically only pay the intermediary. But if you pay them, they should support you with their (hopefully) competent expertise.

The health questions at Allianz were exaggerated for us

1. Are you still alive 2. Can you still breathe independently 3. Are all limbs still present

Then I checked Check24 again, and at the end there was a questionnaire, including medical records, release of confidentiality, etc. Then the decision was quickly made.

I wouldn't generalize that way; it largely depends on the amount to be insured. For us (R+V), blood tests, EKG, HIV test, urine sample, complete extract from the doctor's records ... etc. were required. So just ask about the proof threshold in advance.

Best regards

Our terms are a few posts earlier. It must have been worth it for you to completely drop your pants, right?

Our terms are a few posts earlier. It must have been worth it for you to completely drop your pants, right?

Dropping your pants is a good thing for you (as long as there are no complaints), then you have a guarantee in case of performance. Somewhat ironic that lay statements are given more attention than professional expertise✌

Well, we have answered all questions truthfully at the most reputable RLV provider on the market. I see fewer problems in the event of a claim here. The points mentioned by LuckyDude I didn't even have to endure with my private health insurance.

Our terms are a few posts earlier. It must have been worth it for you to completely drop your pants, right?

Let's put it this way, the threshold for us was at €500k.