Which insurances do you have, which ones are worth it?

I also think the BU is important. But you can't always generalize without knowing the background.

These are apples and oranges. An accident insurance covers the immediate capital requirement in the event of an accident through a lump sum payment. The disability insurance starts after more than 6 months of occupational disability and covers the loss of income until retirement. Mixed forms of course also exist. An accident insurance can complement a disability insurance, but compared to the disability insurance it does not cover existential risks (death would be better insured through term life insurance, but may possibly be included as accidental death in the accident insurance) and is therefore in my opinion more dispensable than disability insurance. But everyone has to decide that for themselves. The benefits of accident insurance are often double insured, for example through foreign health insurance, ADAC, credit cards, existing disability insurance or term life insurance.

I agree with you on that. But I always thought the foreign health insurance would come get me by helicopter from the ski slope. But for many, it is excluded. Even for many UV it is excluded. Anyone who skis should be careful there.

According to various statistics, every third person becomes unable to work due to mental health issues (e.g., burnout). An occupational disability insurance (UV) does not help here. An UV would cost me about €10 per month (with a payout of €350,000 if, for example, I am paralyzed), but a disability pension (BV) costs around €60-70 (with providers that have a high payout rate of about 90%).

I find it difficult to find the right way here.

In case of a disability insurance, it is best to take out legal expenses insurance beforehand.

This type of insurance is one of the most disputed when it comes to actual benefits.

There are only 2-3 that exceed 90%; the majority are at 65-85%.

And that doesn’t say anything about how long people have waited.

According to various statistics, every third person becomes unable to work due to psychological problems (e.g. burnout). An occupational disability insurance (UV) does not help here. An UV would cost me about €10 per month (with a payout of €350,000 if I am, for example, paraplegic), but a basic disability insurance (BV) about €60-70 (with providers that have a high payout rate of around 90%).

I find it difficult to find the right way here.

I just believe that both things complement each other well.