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Vergleich von Berufsunfähigkeitsversicherungen - lohnend für Versicherungsnehmer und Versicherungsunternehmen?

Vergleich von Berufsunfähigkeitsversicherungen - lohnend für Versicherungsnehmer und Versicherungsunternehmen?

          
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About the Book

Diplomarbeit aus dem Jahr 2002 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 2,0, Hochschule Koblenz (ehem. FH Koblenz) (Fachbereich BWL), Veranstaltung: Finanz- und Investitionsrechnung, Sprache: Deutsch, Abstract: Vor einiger Zeit warb im Radio eine Versicherung für ihr Produkt zur Absicherung einer Berufsunfähigkeit mit etwa folgendem Wortlaut: "Sind Sie eigentlich versichert, wenn Sie berufsunfähig werden? Klar, Ihnen passiert nichts. Aber jeden Vierten betrifft es - also Ihren Nachbarn links oder rechts oder gegenüber - oder eben doch Sie. Und dann gibt's Rente vom Staat? Aber die wird gerade gekürzt..." Neben der Werbebotschaft für das betreffende Unternehmen enthält dieser Werbespot jedoch zwei wichtige Aussagen: Die Tatsache, dass jedes Jahr ca. 200.000 Menschen berufsunfähig werden, belegt, dass Berufsunfähigkeit jeden treffen kann und somit in die private Vorsorge eingeplant werden sollte. Des weiteren wurden tatsächlich die staatlichen Leistungen reduziert beziehungsweise der Anspruch darauf erschwert. Nach einer Reform des Rentengesetzes entfiel zum 01.Januar 2001 die Erwerbsunfähigkeits- bzw. die Berufsunfähigkeitsrente. Anstelle dieser beiden Rentenarten trat die "Rente wegen Erwerbsminderung" . Im Falle einer Erwerbsminderung wird nun nicht mehr nach Berufs- oder Erwerbsunfähigkeit unterschieden, sondern nur noch nach voller oder teilweiser Erwerbsminderung. Anders als bei der Berufsunfähigkeit entsteht ein Anspruch auf staatliche Rentenleistungen erst, wenn der Versicherte nicht nur seinen bisherigen Beruf nicht mehr ausüben kann, sondern auch keine andere Tätigkeit, die auf dem Arbeitsmarkt angeboten wird. Diese Neuregelung bedeutet für den Versicherten, dass er erst dann eine Rente erhält, wenn er gar keinen Beruf mehr nach den gesetzlichen Vorschriften ausüben kann. Eine eigenständige, private Vorsorge ist daher unerlässlich geworden. Für den Versicherungsnehmer stellt sich jedoch das Problem dar, aus einer Vielzahl unterschiedlicher Pro


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Product Details
  • ISBN-13: 9783638699204
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 11 mm
  • Width: 148 mm
  • ISBN-10: 363869920X
  • Publisher Date: 10 Aug 2007
  • Height: 210 mm
  • No of Pages: 184
  • Series Title: German
  • Weight: 245 gr


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