Income protection

A good plan when life has other plans.

All Benefits

The cover for the worst-case scenario.

When the stress becomes excessive, it is often already too late. The result is burn-out. Nothing works anymore. But also other psychological strain or cardiovascular diseases can lead to critical life situations in which one is dependent on financial help.

We know that no one likes to think about it. Neither we do. But we as consultants also know that your employees can maintain their accustomed standard of living with income protection. Exactly in a risk case. And that’s a good feeling of security. Together we will find the right model for each employee that is adapted to his or her personal situation.
For less concerns and a better quality of life.

Daily sickness benefit

A longer loss of earnings can occur quickly. It’s good, if you’ve made provision for this
case. The daily sickness benefit is a wage replacement benefit that is paid in the
event of a claim in order to close provision gaps.

Why is an additional insurance meaningful?

Most employees initially receive money from their employer in the event of prolonged illness. After a six-week break, however, this is usually the end of it. Then the health insurance company takes over and pays sickness benefits.

Sickness benefits are lower than the salary. Employees who already have problems with their normal net salary to cover their monthly expenses can get into financial difficulties due to prolonged illness.

Occupational disability

Whether you are a teacher, advertiser or a craftsman, in many industries stress is high. If it gets too much, you can’t work anymore. For these challenging phases of life, there are products that provide reliable income protection.

All the best from HABEKO.
Our concept.

We have taken up the challenge of developing a pension concept with selected providers that is unique on the market. The two main points of this concept are:

• Simplified health questions
• More favourable risk group classification

01  If you want to to conclude an insurance contract, you have to answer extensive questions about health checks. That often represents a risk. If some questions are knowingly or unknowingly answered incorrectly, the insurance benefit may be reduced or refused.

02  Anyone who wants to take out private insurance as a craftsman, technician, sales representative employee or as a member of the nursing profession often finds himself / herself in an unfavourable risk group – which makes insurance almost unaffordable.

Our disability concept has two major advantages: Firstly, the health risk is minimised. Secondly, a person can now also take out occupational disability insurance.

All the best from HABEKO.
Our concept.

We have taken up the challenge of developing a pension concept with selected providers that is unique on the market. The two main points of this concept are:

• Simplified health questions
• More favourable risk group classification

01  If you want to to conclude an insurance contract, you have to answer extensive questions about health checks. That often represents a risk. If some questions are knowingly or unknowingly answered incorrectly, the insurance benefit may be reduced or refused.

02  Anyone who wants to take out private insurance as a craftsman, technician, sales representative employee or as a member of the nursing profession often finds himself / herself in an unfavourable risk group – which makes insurance almost unaffordable.

Our disability concept has two major advantages: Firstly, the health risk is minimised. Secondly, a person can now also take out occupational disability insurance.

Advantages for you

Employers who offer their employees optimal income protection solutions show a high degree of appreciation. All in all this means higher satisfaction and fewer sick leaves.

Risk minimization

By simplifying questions about health, the risk of a reduction in benefits or even refusal of benefits by the providers for the insured persons is considerably reduced. Risk surcharges applied to contributions are also avoided.

Low cost

Premiums are paid from gross and through employer contributions. In comparison to a private insurance, here you already have great advantages.  By being classified in a favourable risk group, this leads to a top cost-performance ratio.

Best protection

A consortium of the best occupational disability insurers with excellent insurance conditions is the guarantor that in the event of a claim, there will be no complications.

Flexibility

Supplies can be taken over either by the next employer or privately without further health checks. It is also possible to agree on contribution dynamics that can be annually adjusted.