Sickness allowance insurance
Over the course of your life, you may encounter a variety of illnesses, most of which typically have a mild course. However, if you become ill to the extent that you are bedridden for several days or even weeks, your employer will provide you with continued payment of your salary. However, this typically ends after 42 days. From this point on, your health insurance will take over the payment of your salary according to the respective rate. Since a difference in the amount may occur in this way, you can take out sickness daily benefit insurance to compensate for this difference. This way, depending on the conditions of the insurance, you will receive the full salary amount for the duration of the illness. This insurance is particularly advisable for self-employed individuals who would otherwise have insufficient financial security in case of illness.
When a policyholder of daily sickness benefit insurance is diagnosed with an illness that may even require hospitalization, insurance companies usually emphasize individuality and recognizability. Therefore, insurance policies come with many inclusions that vary from one insurer to another. For example, when a woman takes out daily sickness benefit insurance, she may wish for the insurance to cover a hospital stay during pregnancy. Since a hospital stay during pregnancy is a special case, it is not covered by every daily sickness benefit insurance policy. If you are looking for daily sickness benefit insurance to cover the duration of your illness or your hospital stay, you will find optimal coverage in the various insurance policy options available.
