Fundamental skills to financially protect
Secure your essential basic abilities such as seeing, speaking, or walking with the basic ability insurance from nextsure, and protect yourself from the financial consequences of their loss.
Financial security in case of loss of essential everyday skills.
Flexible tariffs, digitally and easily concluded.
Important addition or alternative to occupational disability insurance.
Grundfähigkeitsversicherung simply explained: What does it really provide?
Protects essential everyday life skills.
Pays a monthly pension in case of loss of ability.
Irrespective of professional practice.
Clear definition of the insured skills.
Who benefits most from occupational disability insurance? Target groups in focus
The basic ability insurance (BFI) is a valuable protection for a broad target group, particularly for people for whom occupational disability insurance (ODI) is less accessible or too expensive. This includes manual workers (craftsmen, caregivers), where the risk of loss of ability is statistically higher and ODI policies are often costly. Self-employed individuals and freelancers seeking flexible and clearly defined coverage also benefit from BFI. For career starters and young people, it offers an affordable entry into income protection. Homemakers, who may not have an income, but provide indispensable work in the household, can also insure themselves. Lastly, it is an option for individuals with certain pre-existing conditions that make access to an ODI difficult. BFI focuses on the loss of clearly defined physical and mental abilities, which often makes the claims process more transparent than an ODI, which relies on specific occupational disability. Check your individual options with nextsure digital.
Your Benefits
That's why basic ability insurance
See
Protection against loss of eyesight.
Listen
Safety when hearing is impaired.
Speak
Benefit in case of loss of speech.
Go
Protection in case of loss of mobility.
Use hands
Financial protection in case of loss of hand function.
Cognition
Coverage for severe cognitive impairments.
Independent
Maintaining financial independence in everyday life.
Flexibel
Customisable tariffs for your individual needs.
DigitalPlus
Easily complete and manage online with nextsure.
Securing essential skills for financial independence.
Calculate your contribution now
Secure basic skills!
Which skills are insured? A detailed look at the schedule of benefits
The core of every basic ability insurance is the catalogue of insured abilities. Although the precise definitions and scope may vary depending on the policy, there are typical basic abilities that are frequently covered. These primarily include sensory abilities such as seeing, hearing, and speaking. Also central are motor skills, for example walking, climbing stairs, using arms and hands (grasping, writing) as well as bending and kneeling. Increasingly, cognitive abilities such as orientation or the ability to plan and carry out daily actions are included in the insurance cover. Some policies also cover the loss of driving ability or specific care needs. It is crucial to carefully examine the performance catalogue: Which abilities are specifically insured? How is the loss defined (e.g., complete loss or significant impairment)? How many abilities must be lost to trigger a benefit? At nextsure, we focus on transparent conditions and help you find the right protection for your individual needs.
Basic Ability Insurance vs. Occupational Disability Insurance: The Key Differences
The occupational disability insurance (BU) and the basic ability insurance (GFV) both serve as income protection but differ fundamentally in their approach. BU insurance pays out if you can no longer perform your most recent occupation due to illness, accident, or debilitation for at least 50% and are expected to do so for at least six months. So, the focus is on the specific job activity. The basic ability insurance, on the other hand, pays out if one or more essential physical or mental abilities defined in the contract are lost, regardless of whether you can still practice your profession. Typical examples are seeing, hearing, speaking, or the use of hands. The advantage of GFV often lies in clearer benefit definitions and potentially simpler health checks, making it more accessible for certain occupational groups or people with pre-existing conditions. A BU generally offers more comprehensive protection but can also be more expensive. The GFV can be a sensible alternative or a valuable supplement to a BU. Get advice from nextsure digital on which solution is optimal for your situation.
Secure yourself early: Why taking out a policy at a young age pays off
Taking out a basic skills insurance policy at a young age offers significant advantages. One of the most important aspects is the lower premiums. Insurance premiums for income protection policies such as the GFV are primarily based on the age at which you enter and your health condition. Younger people are statistically healthier and have a lower risk of losing certain skills, which results in lower and more stable premiums over the whole term. Moreover, health checks in younger years are often less complicated. As you age, the likelihood of pre-existing health conditions increases, which can lead to risk surcharges, exclusions of benefits, or even rejection of the application. Those who take out insurance early secure comprehensive protection at favourable conditions before any potential health problems arise. Additionally, you benefit from a longer duration of coverage. An early policy means you are protected from the financial consequences of losing fundamental skills over a longer period of your life. Start your precaution with nextsure - digital and future-oriented.
Health Assessment and Application: What You Need to Consider
The health check is a crucial component when taking out a basic ability insurance. Insurers use it to determine your individual risk and calculate the premium. It is of utmost importance to answer all health questions truthfully and completely. Concealed pre-existing conditions or inaccurate information can lead to a refusal of payment or even contestation of the contract in the event of a claim (breach of pre-contractual duty of disclosure). Typically, questions about existing illnesses, medical treatments, hospital stays, and medication use in recent years are asked. Risky hobbies or occupations can also be relevant. At nextsure, we make the application process as transparent and digital as possible. Prepare well by consulting your medical records, if necessary. If you have any uncertainties, our digital advisory services are available to you. A carefully completed application is the foundation for reliable insurance coverage and smooth claims processing in the event of an emergency.
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FAQ Section
Answers to your questions
Costs of Occupational Disability Insurance: These factors influence your premium
The cost of a basic ability insurance (BAI) is individual and depends on various factors. A key aspect is the entry age: the younger you are at the time of signing, the cheaper the premiums usually are. Your state of health at the time of the application also plays a significant role; pre-existing conditions may lead to risk surcharges. While the profession is less decisive for BAI than for disability insurance, it can play a role in tariffs that also cover occupation-specific abilities. The amount of the insured monthly pension is a direct cost factor – a higher pension means higher premiums. The contract term and the desired end age of the insurance also influence the premium. The scope of the insured basic abilities is crucial: more comprehensive catalogues with more insured abilities or lower thresholds for benefits tend to be more expensive. Some tariffs offer additional components, such as a guaranteed pension increase in the event of a claim (dynamics), which also affects the contribution. Use the digital tariff calculator from nextsure to get an initial assessment of your individual costs.
The performance case: What happens if a fundamental ability is lost?
If a serious situation arises and you lose one or more of the insured basic skills, it's important to inform the insurer promptly. The process begins with the notification of the claim to your insurance company, ideally in writing. nextsure supports you in this with digital processes. You will then need to provide detailed information about the loss of ability and submit the corresponding evidence. This usually includes medical certificates, reports of findings, and possibly expert opinions documenting the loss and its expected duration. The insurance company reviews these documents and the contract conditions to determine if the criteria for a benefit are met. This includes checking whether the affected ability is included in the insured catalogue and whether the degree of impairment meets the contractually defined requirements (e.g. complete loss or significant impairment for a specified period). After a positive review, the agreed monthly pension is paid out. Transparent communication and the swift submission of all required documents significantly speed up the process.
Your basic ability insurance with nextsure: Digital, transparent, tailored
nextsure redefines the coverage of essential abilities with a consistently digital approach, focusing on your individual needs. With us, you benefit from a fully digitalised completion process that saves you time and provides maximum transparency. From information and tariff comparison to application, you can conveniently handle everything online. Our platform is SEO-optimised, making it easy for you to find us and always access well-founded, understandable content. We specialise in niche insurance, offering well-thought-out and flexible solutions in the area of essential abilities coverage. Our expert advice is available to you digitally, ensuring you receive precisely the protection that fits your life situation. Thanks to our modular up- & cross-selling approach, you can optimally combine your essential abilities insurance with other important coverages from our portfolio. Experience with nextsure how straightforward and customer-oriented modern insurance can be.
What exactly is a basic ability in terms of insurance?
The occupational disability insurance (GFV) is an important component of your personal insurance strategy, but it often reaches its full potential in combination with other insurances. A common and sensible addition is accident insurance, as accidents can often lead to the loss of basic skills. While the GFV pays a pension, accident insurance can provide capital benefits for disability, hospital cash benefits, or convalescence benefits. A term life insurance policy is also relevant, particularly for families or when financing a property, to protect dependents in the event of death. For comprehensive health insurance coverage, private supplementary health insurances, such as dental or hospital supplementary insurance, can be important. For those who have occupational disability insurance (BU), the GFV may serve as a cheaper alternative or an addition for specific risks in certain cases, if the BU shows gaps or is difficult to obtain. A supplementary long-term care insurance policy can also be complementary, as the loss of basic skills often coincides with the need for care. nextsure helps you to optimally design your individual safety net and to utilize synergies between various insurance solutions.
