Correct answer of the health questions is mandatory in occupational disability insurance usually extensive health issues to doctor visits and illnesses the last five to ten years must be answered. The correct answer of the application questions is of enormous importance: who tamper or recklessly fails crucial information, threatens his insurance protection over the years. The higher regional court of Karlsruhe negotiated a legal dispute between an insured person had completed a disability insurance on January 15, 2001, and his insurers in spring 2013. Almost ten years after the conclusion of the contract of the former locksmith, who last worked as a warehouse worker, was actually berufsunfahig and requested the monthly disability pension from his insurance company. The insurer requested the medical records of the customer within the framework of the performance audit and noted that the customer several doctor visits, as well as various sick notes in its submission in 2001 not was specified correctly.
A right of rescission of the contract is to at this point the insurance company, provided that the customer had fraudulently misled the insurer in relation to its health claims. This deception must prove the insurer but. Because the client had omitted to include shoulder and back pain, as well as a thrombosis disease and was sick several times in the longer term, the Court gave the insurance company right. Fraudulent behavior is to assume when the deceptive knows or expects to approvingly in buying that he makes incorrect information, a misconception and that this led him to an explanation he for real knowledge of things not or not would have made this upon the receiver of his statement, takes “the Court of appeal under case No. said 12 U 140/12 crucial for the guile of the insured in particular that application was for the Court discreet thrombosis disease, which after several treatments to partially multi-week maintaining led. The customer application would need to remember these longer-term sick leave mandatory.
The application documents must be completed carefully and honestly, not to risk the later loss of insurance coverage. If you can request frequently also the health status as well as visits to the doctor, or sick leave from his Office. This provides a good basis for the extensive health issues in disability insurance. In case of doubt, the doctors should be contacted. Also important: Individual insurers query only the period of the last five years in regard to the health information. Who was healthy in the last five years, but had previously health complaints, such an insurer could be particularly well suited for the. Independent insurance brokers who specialize in the topic of disability insurance can help in this regard. More information about the topic Www.BU-Kompass.de are available through the Internet portal disability protection. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly – Fotolia.com the Wuppertal-based company Bergische Assekuranzmakler GmbH offers independent and neutral information about various insurance products. Our goal is that our customers receive the most powerful insurance products at affordable prices. We want that our customers in the event of damage are satisfied with their insurance company. You need powerful rates from reliable insurance companies. At the same time you should but do not pay more for this protection as necessary. BU-Kompass.de helps you to achieve the optimal price / performance ratio when your insurance products.