We assess current policies, gaps, overlaps and unresolved questions together.
Insurance knowledge · across Germany
Understand insurance. Put protection in the right order.
Every policy answers a different question: who carries the cost when damage occurs, income stops or health and family are affected? Here we explain the most important types of insurance, including their limits and suitable additions.
Review policiesCompare cover and priceOngoing supportHelp with claims
Not as much as possible. Structured to fit.
This sequence is a guide, not a blanket recommendation. What is appropriate depends on your circumstances, work, family, property and any protection already in place.
The pages shown here are an important starting point. As an insurance broker, MB Finance can also support you with further private and commercial insurance matters. The appropriate solution always depends on the individual risk, the available market and the specific policy conditions.
Core protection and ability to work
These areas can involve particularly serious financial consequences, which is why they come first in our information journey.
Step 01 · Liability
Personal liability insurance
Protects against financial consequences when other people are harmed in private everyday life.
Understand the policy → Step 02 · IncomeOccupational disability insurance
Provides an agreed pension when health prevents you from continuing in your occupation under the policy definition.
Understand the policy → Related protectionBasic ability insurance
Pays when defined physical or mental abilities are lost to the degree stated in the policy.
Compare the differences → Related protectionPrivate accident insurance
Can protect against financial consequences of permanent disability caused by an accident.
Understand the policy → Specific liabilityPet owner liability insurance
Separate liability protection, particularly for owners of dogs or horses.
Understand the policy → Work and businessBusiness and professional liability insurance
Addresses liability arising from self-employed, professional or business activity.
Understand the policy →Health and supplementary cover
Statutory, private and supplementary health insurance follow different rules. These pages show how the components work together.
Step 03 · Health
Health insurance
A clear comparison of statutory and private health insurance, including eligibility and long-term considerations.
Understand the systems → Step 04 · AdditionsSupplementary health insurance
Adds selected private benefits to statutory cover without changing the insured person's statutory status.
Explore supplementary cover → Dental careSupplementary dental insurance
Can reduce personal costs for dental prostheses and other dental services agreed in the policy.
Understand the policy → HospitalHospital supplementary insurance
May add accommodation, privately billed medical treatment and other hospital benefits, depending on the policy.
Understand the policy → Outpatient careOutpatient supplementary insurance
Can add selected benefits for items such as glasses, alternative practitioners or preventive care.
Understand the policy → AbroadTravel health insurance
Protects against certain treatment costs abroad and may include medically appropriate repatriation.
Understand the policy → Income gapDaily sickness allowance insurance
Can close a gap during temporary incapacity for work but does not replace occupational disability insurance.
Understand the distinction → Long-term careSupplementary long-term care insurance
Can help reduce the gap between statutory care benefits and the actual cost of care.
Understand the policy →Home, family and assets
Household contents, buildings and dependants require different protection. The key question is what would need to be replaced financially.
Step 05 · Home
Household contents insurance
Protects movable household belongings against specified insured risks.
Understand the policy → Step 06 · FamilyTerm life insurance
Provides financial protection for dependants and can help service outstanding loans if the insured person dies during the policy term.
Understand the policy → PropertyResidential building insurance
Protects the building against specified risks and is not the same as household contents insurance.
Understand the policy →Mobility and legal costs
Vehicle keepers need motor liability insurance. Legal expenses insurance can cover costs in selected areas of law, depending on the chosen modules.
From understanding to a suitable decision.
MB Finance supports individuals, families, employees, self-employed people and businesses equally. The individual situation, rather than the customer category, is what matters.
Policy wording and relevant differences in cover are explained clearly.
Premiums are considered alongside cover, exclusions and personal requirements.
The steps from selection to application remain transparent and understandable.
When circumstances change, existing cover can be reviewed again.
MB Finance helps structure communication and the contractual claims process.
Illustrative example
Protection changes as life changes.
A young professional living alone might begin by considering personal liability, ability-to-work protection and health insurance. A shared home, family, property or self-employment can introduce further topics later. Which policies are suitable must always be assessed individually.
Illustrative example only — not personal advice and not a guarantee of cover, benefits or price.Start of the insurance journey
First: personal liability insurance.
It protects against financial consequences when other people or their property are harmed in private everyday life. The next page also explains which risks require separate liability cover.
Context and sources
This content provides general information. Whether cover exists and to what extent benefits are payable is determined by the application, policy schedule and applicable policy conditions.