Financial Protection for Critical Illnesses
Secure your financial future in case of serious illnesses with the Dread Disease Insurance from nextsure. Receive a one-time lump sum payment for your recovery and financial freedom. Get informed now and complete the process digitally.
One-off payment upon diagnosis
Flexible use of capital
Comprehensive Protection
What is a dread disease insurance?
Definition and functioning of the Dread Disease Policy.
Distinction from other insurances such as disability insurance or health insurance.
History and Development of Critical Illness Cover.
The role of nextsure as a digital provider for niche insurance.
Who is dread disease insurance particularly recommended for?
A dread disease policy, also known as critical illness cover, offers financial security when faced with a serious diagnosis. Fundamentally, anyone can benefit from such a policy. However, it is particularly beneficial for primary earners and families to cover ongoing expenses and loans. For the self-employed and freelancers, it compensates for loss of income and ensures liquidity. Individuals with significant financial obligations can use it to repay debts. It also serves as a valuable supplement to disability insurance, as it provides a lump sum payment upon diagnosis of a covered illness, even if work capacity remains. Health-conscious individuals use the sum for alternative treatments or a break. nextsure analyses your individual situation and advises you on the appropriate cover.
Our service for you
Tailored protection made easy, digitally
Protection Concept
Individual needs analysis for optimal protection.
Tariff Comparison
Transparent comparison of all options.
Online Degree
Insure quickly, securely, and completely paperless.
Expert Advice
Expert advice from our specialists.
Claim event
Prompt and straightforward assistance in an emergency.
Flexibility
Customisable amounts and terms.
Digital-Portal
Keep all contracts and data securely in view.
Child Protection
Optional protection for your children.
Niche focus
Specialized solutions for your needs.
Discover the benefits of nextsure's dread disease insurance. We'll support you from information to service.
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Calculate critical illness insurance now!
Which illnesses are typically covered by dread disease insurance?
The core of a dread disease insurance is the catalogue of covered serious illnesses. Nextsure places importance on transparent and comprehensive conditions. Typically covered are cancers, heart attack, stroke, multiple sclerosis (MS), kidney failure, heart bypass surgery, organ transplants, severe burns, blindness, deafness, Parkinson's disease, motor neuron diseases (e.g., ALS), and coma. It is crucial to carefully review the insurance conditions to understand the exact scope of coverage and the definitions of the illnesses. Our experts are happy to advise you on the details of the illness catalogue of our dread disease tariffs.
Dread Disease vs. Berufsunfähigkeitsversicherung: The Key Differences and Similarities
Both critical illness insurance and occupational disability insurance (BU) mitigate the financial consequences of health risks. The main difference lies in the trigger for benefits and the type of benefit: Critical illness insurance pays a lump sum upon the diagnosis of a defined serious illness, regardless of the ability to work. BU provides a monthly pension if the occupation can no longer be performed for an extended period due to illness or accident. The capital from critical illness policies can be used freely, whereas the BU pension primarily secures income. Often, both insurances are not competitors but rather complement each other for comprehensive protection. nextsure advises you which strategy suits your life situation.
Choosing the Right Insurance Sum: How Much Coverage Do You Really Need?
Choosing the right sum insured for critical illness insurance is crucial. Consider ongoing financial obligations such as loans, rent, and living expenses. Calculate potential income replacement and additional medical expenses for treatments or therapies. Also think about necessary adjustments in your living environment, such as accessible renovations. A rule of thumb suggests setting the sum at two to three times the annual gross income, but an individual analysis is essential. nextsure supports you with digital calculators and expert advice to accurately determine your personal needs and ensure financial security in the event of a crisis.
The benefits of your dread disease insurance with nextsure at a glance
With nextsure, you benefit from tailor-made protection from our niche portfolio, transparent and fair conditions, as well as a fully digital process from information to completion. Our knowledgeable insurance experts provide you with personal and competent advice. In the event of a claim, you can rely on a quick and uncomplicated process. We offer an attractive price-performance ratio through efficient digital processes and our focus on niche products. Security and trust are paramount; data protection has the highest priority. Choose modern insurance that suits your digital lifestyle and provides you with financial freedom at the crucial moment.
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The case of performance: What happens after the diagnosis of a serious illness?
Upon diagnosis of an insured critical illness, promptly inform nextsure. Then, submit the necessary documents, such as medical certificates and findings, along with a claim form. Our experts will thoroughly and swiftly review your claim. The diagnosis is checked against the contractually defined illnesses. If the claim is confirmed, the agreed insurance amount will be paid out as a lump sum into your account. This capital is freely available to you. Be mindful of potential waiting periods and the importance of truthful information when applying. nextsure supports you throughout the entire process.
Special protection for creators: The critical illness insurance for self-employed and freelancers
For self-employed individuals and freelancers, dread disease insurance is especially important, as a sickness-related absence often directly results in income losses. The lump sum payment compensates for these losses, ensures the liquidity of the business, and covers both personal and business expenses. It provides financial freedom for recovery without the need to dip into savings. Dread disease insurance offers an important, independent additional layer of security to the often incomplete statutory coverage. The sum is available freely in one lump sum. nextsure understands the needs of the self-employed and offers flexible tariffs as well as a digital application process.
Protection for the youngest: children's dread disease insurance and its features
A children's dread disease insurance pays a lump sum if the child is diagnosed with a covered serious illness. The list of illnesses is tailored to typical childhood diseases, such as certain types of cancer, severe heart conditions, or meningitis with consequential damage. The insurance amount can be used for treatment costs, the loss of income of a caring parent, or rehabilitation measures. Premiums are often affordable, as the risk is statistically lower in children. Some policies offer a later conversion to an adult plan without a new health examination. nextsure advises you on the right protection for your family.
What exactly is the difference between dread disease insurance and occupational disability insurance?
An essential part of applying for critical illness insurance is the medical examination. It helps the insurer assess risk and calculate premiums. In the application, you answer questions about existing illnesses, medication intake, hospital stays, and risk factors. Truthful and complete information is crucial (pre-contractual duty of disclosure), as incorrect information can jeopardise insurance coverage. Possible outcomes are acceptance under normal conditions, with a risk surcharge, with an exclusion of benefits, or, rarely, a rejection. nextsure offers a transparent, digital application process and expert support.
