Disabled – now what? For many, the diagnosis of "disabled" comes as a surprise, far too quickly and completely unprepared. This is where disability insurance comes in, which ideally should be taken out as early as possible – but what exactly is disability insurance; more specifically: disability insurance for students ?
Disability insurance - what is it?
Disability insurance is a type of disability protection. Such insurance is essential for anyone who wants to secure their future as best as possible, for anyone considering disability insurance – in fact, for everyone. Disability insurance generally prevents the insured person from experiencing a decline in their professional life should they become unable to work.
That's a great thing – which is exactly why there's also disability insurance for students. You can find more detailed information about disability insurance for students here .
"Oh, I'm a student, I'm still young. Besides, I don't have the money for something like that," you might think. But that's not the case. Unfortunately, it can happen to anyone, at any time. Disability insurance for students, as the name suggests, is aimed at those of us who aren't yet earning a lot of money but still want to protect ourselves in good time. For a variety of reasons, people, young or old, become unable to work and need help – these aren't just physical illnesses, but increasingly also mental health issues!
Here is a brief overview of the most common causes of disability:
The number one cause of occupational disability is mental and nervous disorders such as depression, anxiety, and stress disorders. These can pose a problem even in early student years – even in this otherwise enjoyable phase of life, many struggle with significant anxiety and, above all, stress disorders, be it university pressure or other stress that wears them down.
This is precisely the situation where it makes sense to consider disability insurance for students. These policies are tailored to the needs of students in terms of both price and coverage.
One fifth of the causes are therefore mental illnesses – closely followed by physical illnesses such as diseases of the musculoskeletal system, cancer and other malignant tumors .
Nearly 10% of all disability insurance cases are caused by accidents – of course, nobody wants that, but the rule still applies: better to be insured too early than too late.
Diseases of the heart and vascular system represent the – not to be underestimated – last place among the most frequent causes of occupational disability.
The overview shows that the majority of all employees are sidelined by mental and nervous disorders. Ideally, this doesn't have to happen – it can happen very late in life, but unfortunately, sometimes it happens sooner than you think. And since no one can be sure if or when it will affect them, there's disability insurance for students, which does exactly what the name promises: insurance specifically tailored to students.
Therefore, I'd like to strongly recommend this disability insurance offer for students. Sign up once and never again have to worry about "What will I do if...?" The best part is: the earlier you start, the cheaper it is! So when is a better time than during your student years? Specifically tailored to the needs of students, this disability insurance for students offers affordable, flexible, and international coverage. Thanks to tiered premiums, it's easy to get affordable protection even with a smaller budget. Not sure where life will take you? Who does at our age! It's great that disability insurance for students is so flexible and adapts to your current life situation – even if something unexpected changes. Planning to go abroad? That's no problem either. As long as you're a resident of Germany when you take out the policy, the insurance will also cover you during a stay abroad.
So you see – disability insurance for students is a great thing that every one of us should definitely get. Because: You never know what might happen.
You can find more detailed information about student disability insurance here .
Sometimes it's better to be too early than too late.
Image credit: gratisography.com
Here you can find out everything about disability insurance for students and the most common causes of disability!
