Are you planning on getting occupational disability insurance? Never go directly to an insurance company! A single careless application can lead to you being "blacklisted" by insurers. Learn how to do it correctly.
The Danger: The "Blacklist" (HIS)
Insurers exchange information. If you submit an official application for occupational disability insurance (BU) and it is rejected or issued with heavy exclusion clauses, this information ends up in the so-called HIS (Hinweis- und Informationssystem) of the insurance industry.
This means: If you later apply to another insurer, they will immediately see that you have already been rejected elsewhere. Your chances of getting good protection then drop to zero.
The Solution: The Anonymous Pre-Assessment
As a broker, I use the instrument of the anonymous pre-assessment (Risikovoranfrage). Together, we carefully prepare your health history. I then send this data without your name to various insurers.
We essentially ask: "Would you insure this person and under what conditions?" The insurers' answers are a binding decision-making aid for us, without your data ending up in the HIS.
How the Anonymous Pre-Assessment Works (BU & PKV)
Whether occupational disability or private health insurance: the process is 100% digital, anonymous, and risk-free for your file.
Define Requirements & Goals
In a short initial consultation, we clarify your goals, budget, and desired coverage components.
Online Questionnaire via simplr
You receive a secure digital health questionnaire via my client portal (simplr) to enter your medical history stress-free.
Anonymous Request & Result
I obtain anonymous preliminary decisions from underwriters. We evaluate the results together, with zero HIS risk!
Why Preparation is So Important
A minor case of hay fever, back treatment four years ago, or psychotherapy: insurers evaluate risks completely differently. While provider A might reject you, provider B might insure you under normal conditions. My job is to find the provider that evaluates your history most favorably.
My Expert Tip
Never start with a portal check where you enter your real data. Often, this data is already saved in the background. As your fiduciary representative, I review your medical records with you and start a professional pre-assessment. I am fully liable for the accuracy of the preparation, this is the only safe way to get BU insurance.
Check First, Sign Later
Occupational disability insurance is, alongside liability insurance, your most important protection. Don't take any risks here. Through a professional pre-assessment, we maintain full control and secure the best possible protection for you without blocking your future.
If even the pre-assessment doesn't lead to affordable cover, BU isn't the only word on the subject. My guide BU Rejected or Too Expensive? shows how basic skills, dread disease, and accident insurance can be combined into a solid alternative.
Checklist: Safe Path to BU
- Request medical records from your health insurance (last 5 bis 10 years).
- Start an anonymous pre-assessment through a specialized broker.
- NEVER submit an official application without positive feedback from the pre-assessment.