Five free insurance orientation checks

This content provides general orientation. Situations and benefits mentioned are examples; the specific need, policy terms and individual advice are decisive. It does not state a price, acceptance or cover decision.

Needs topics check

Select only the topics you would like to understand better. The check asks for no personal amounts, health information or policy details and does not create a recommendation.

Structure everyday budgeting and financial reserves Understand liability risks and protection for personal possessions Consider the financial impact of reduced working capacity Understand health insurance and possible supplements Consider responsibilities for a partner, family or shared loans Organise retirement planning and long-term goals Understand business or self-employment risks

Statutory health supplement orientation

Select the benefit areas whose structure you would like to understand. Do not provide diagnoses, treatment details or information about your health here.

Understand differences in dental treatment and replacement Place possible hospital extras in context Understand outpatient extras such as optical aids Understand protection for private travel abroad Understand income loss during longer incapacity for work as a topic Learn to compare waiting periods, limits and exclusions

Occupational disability preparation check

This check only helps prepare topics for a later conversation. It asks for no health or income data and does not assess whether insurance is available.

Be able to describe the tasks in my occupation in my own words Collect information on statutory, workplace or private protection already in place Prepare to discuss financial commitments and desired flexibility securely later Have terms such as occupational disability, prognosis period and referral explained Compare contributions, increases, term and benefit limits Answer health questions fully only later and through a secure route Understand alternative protection routes and their different purposes

Home purchase and building check

Select organisational topics you would like to clarify before or after buying property. The check asks for no address, purchase price, financing or property details.

Consider transaction costs, running costs and reserves together Clarify required property information and documents early Clarify timing and responsibility for existing or new building cover Distinguish building, contents and liability insurance Discuss special use, renovation or letting in relation to the policy Consider how illness, reduced working capacity or death could affect financing Separate contacts for purchase, finance, law, tax and insurance

Annual contract review

Use this selection once a year as a reminder for your own policy records. Do not enter policy numbers, contributions, claim details or personal information.

Review contact details and accessibility in important contracts Keep a complete overview and current documents Note life changes as possible reasons for a review Review insured persons, beneficiaries and insured property Consider benefits, exclusions, deductible and contribution together Check for possible duplicates or purposes that no longer fit Before changing or cancelling, clarify effects, deadlines and replacement cover

Identify discussion topics without sending personal data.

Needs topics check

Your selection is a personal reading or conversation list. It does not identify a protection gap, necessary policy or score. Open the related explanation pages and then decide whether you want an individual review of any topic.

Statutory health supplement orientation

The selection shows information interests only. Supplementary policies can add benefits in individual areas but do not turn statutory health insurance into full private health insurance. This check cannot determine availability, suitability or actual cover.

Occupational disability preparation check

Your selection is a preparation list, not an assessment of suitability or insurability. Health questions in a specific application need complete and accurate answers; sensitive information does not belong in this check or a public contact form.

Home purchase and building check

Your selection is an organisational reminder, not a property, financing or insurance assessment. Clarify legal, tax, building and financing questions with the appropriately qualified professional or authority.

Annual contract review

The selection is only your annual review list. It does not detect a protection gap or recommend buying or cancelling anything. Change existing contracts only after reviewing the specific terms and possible consequences.