Private Plus
PREMIUM-CUSTOMER PROTECTION
ACCIDENT INSURANCE
You and your family
Don’t forget: The mandatory accident insurance protects you (and thus your family) against any consequences of occupational injury – the consequences of leisure accidents remain partly not covered. With private accident insurance, you can make up for any loss of income. Tip: Protect yourself and your family against any serious consequences, cover any minor therapy costs yourself and thus reduce your volume of premiums this way.
Important: Most private family accident insurance covers children only until the age of 15. Provide your independent insurance broker with your children’s date of birth and let him manage the dates for you.
OCCUPATIONAL DISABILITY/NURSING CARE INSURANCE
Your earning capacity
Don’t forget: 460,000 people currently draw a pension because of reduced ability to work or occupational disability. 39% of these due to mental illness (DI-study, Conti, TNS, Spectra, 2011). Protection against risk at affordable risk premiums started early provides financial security.
Tip: A health check with your family doctor provides certainty when assessing possible health risks.
PROTECTION AGAINST THE RISK OF DECEASE/DREAD DISEASE
LEGAL PROTECTION
Your private legal protection
Don’t forget: Everyone thinks they’re in the right. Asserting your rights means being able to bear the costs of legal procedures. With only low financial expenditure you can transfer the costs of private legal procedures to a risk pool.
Tip: There are legal protection offers with modular components; this helps to structure the premiums usefully. Important: with claims from leisure/sports accidents and possible disputes with employers becoming more frequent, legal protection insurance can offer valuable cover.
PRIVATE LIABILITY
Household+ Private home
Don’t forget: Easy proof and assessment of the value of art objects and valuables is possible only with photos.
Tip: On the back of the photos, write the name of the artist, material, purchase price, year of acquisition AND keep in a separate place.
Important: Make sure to inform your independent insurance broker of any improvements in the facilities, expansions or floorspace of the new buildings.
Only with adjusted contracts will newly created value be properly covered.
Offer: Gandler Risk Management will safekeep your photos of evidence in the customer file; ask your independent insurance broker or a contact person from Gandler Risk Management
HEALTH INSURANCE
Your health
Don’t forget: The earlier you begin with health protection, the lower the recurring premiums. Modern products reward people with verifiably healthy lifestyles with special premium discounts or lower deductibles.
Tip: For many occupational groups there are a special "group-rates". Together with your independent insurance broker, check whether you, too, can benefit from such special service packages.
Important: More and more often, people have to deal with the consequences of physical, mental or emotional overload. Use a portion of the insurance to cover the consequences of "serious illnesses". Ask your independent insurance broker about the options of this "Dread Disease insurance".
RESIDENTIAL BUILDINGS
Household+ Private home
Don’t forget: Easy proof and assessment of value of art objects and valuables is possible only with photos.
Tip: On the back of the photos, write the name of the artist, material, purchase price, year of acquisition AND keep in a separate place.
Important: Make sure to inform your independent insurance broker of any improvements in the facilities, expansions or floorspace of the new buildings.
Only with adjusted contracts will newly created value be properly covered.
Offer: Gandler Risk Management will safekeep your photos of evidence in the customer file; ask your independent insurance broker or a contact person at Gandler Risk Management
HOUSEHOLD/INVENTORY/VALUABLES
Household+ Private home
Don’t forget: Easy proof and assessment of value of art objects and valuables is possible only with photos.
Tip: On the back of the photos, write the name of the artist, material, purchase price, year of acquisition AND keep in a separate place.
Important: Make sure to inform your independent insurance broker of any improvements in the facilities, expansions or floorspace of the new buildings.
Only with adjusted contracts will newly created value be properly covered.
Offer: Gandler Risk Management will safekeep your photos of evidence in the customer file; ask your independent insurance broker or a contact person at Gandler Risk Management
RETIREMENT-/PENSION PLANNING/BUILDING SOCIETY SAVER
Your retirement planning
Don’t forget: Fewer and fewer contributors have to provide for more and more pensioners. Pension gaps of up to 50% of the active service income can arise. The earlier you start building future financial reserves, the smaller the monthly expenses and the lower the risk of participating in the capital markets.
Reasoning: The longer the terms of savings accumulation contracts, the more likely the achievement of revenue from economically positive periods can be assumed.
Tip: Spread your monthly contributions over at least two different assets classes independent of each other; this also reduces the investment risks.
Important: The less the public pension funds can pay, the more important it is to talk to a professional you trust.