Highlights overview

  • TOP insurance cover with highly favourable  group conditions
  • No riskcheck, if there is full employability at the beginning of the contract and none of the following diseases:
    • Any kind of cancer
    • Heart diseases and vasoconstrictions
    • Organ failure
    • Positive HIV-Test
    • Multiple sclerosis, Parkinson`s disease, Alzheimer`s disease, dementia
    • Insulin-dependent diabetes

Only people without the main residence in Germany or Switzerland can have the life and long term disability insurance, the personal health insurance is only for people without the main residence in Germany, Switzerland or the USA.