Einsteiger-Tarife bei der BU – Was bringt’s?

von carlos | Freitag, 21. Januar 2011 | Thema: Berufsunfähigkeitsversicherung

Gerade für Studenten und Berufseinsteiger werden immer wieder Tarife auf den Markt gebracht, die in den ersten Jahren durch niedrige Beiträge glänzen. Wie wird das erreicht? Und: Bringt das was?

Die verminderten Beiträge werden durch zwei Wege erreicht: einige Versicherer beginnen mit einer prozentualen Rabatt, der natürlich in den späteren Jahren wieder ausgeglichen werden muss. Ein anderer Weg ist, zuerst eine Versicherung mit kurzer Laufzeit zu wählen, die entsprechend günstig ist, aber während der Laufzeit nach hinten verlängert werden kann. Allerdings wird hier der Alterstarif natürlich neu berechnet und man zahlt in den späten Jahren mehr als man ohne die Vergünstigung am Anfang gezahlt hätte.

Fazit: Die Einsteigertarife der BU-Versicherer sind natürlich kein Geschenk, sondern eher die Verlagerung der Beitragszahlung in eine fernere Zukunft. Das kann natürlich trotzdem für viele Berufseinsteiger und Studenten Sinn machen, ein unbedingtes Muss ist es aber nicht.

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