Insurance broker / Basic abilities insurance (Grundfähigkeitsversicherung) / Policy wording archive
Zurich Schutzbrief: the policy wording in full
Grundfähigkeitsrente bei Verlust einer von 21 Grundfähigkeiten, bei Pflegebedürftigkeit oder gerichtlich angeordneter Betreuung für voraussichtlich mindestens 6 Monate, ausgelesen aus der Produktinformation.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for Zurich Schutzbrief.
Basics and benefit
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Basic abilities pension (monthly pension on loss of a basic ability) | yes | „Wenn die versicherte Person eine dieser Grundfähigkeiten infolge Krankheit …“ | Was ist versichert?, page 2 |
| Lump sum instead of or in addition to the pension | not addressed | ||
| Benefit on loss of a single basic ability | yes | „Wenn die versicherte Person eine dieser Grundfähigkeiten infolge Krankheit …“ | Was ist versichert?, page 2 |
| Prognosis period (expected duration of the loss, usually six months) | yes | „voraussichtlich für mindestens 6 Monate ununterbrochen verliert“ | Was ist versichert?, page 2 |
| Retroactive payment from the start of the loss once the period is actually reached | not addressed | ||
| Benefit period (to contract end, separate benefit period or lifelong) | yes | „zahlen wir für die Dauer der Beeinträchtigung eine monatliche Rente“ | Was ist versichert?, page 2 |
| Premium waiver while benefits are paid | yes | „Solange wir Leistungen aus der Versicherung zahlen, müssen Sie keine Beiträge zahlen.“ | Wann zahle ich?, page 3 |
| Minimum entry age (cover for children and pupils) | not addressed | ||
| Maximum entry age | not addressed | ||
| Maximum age at end of cover | not addressed | ||
| Worldwide cover, also with permanent residence abroad | not addressed | ||
| Benefit independent of occupation (no review of the job) | not addressed |
Physical abilities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Seeing | yes | „Folgende Grundfähigkeiten sind versichert: - Sehen“ | Was ist versichert?, page 1 |
| Hearing | yes | „Bildschirmtätigkeit - Hören“ | Was ist versichert?, page 1 |
| Speaking | yes | „Hören - Sprechen“ | Was ist versichert?, page 1 |
| Use of the hands (gripping, fine motor skills) | yes | „der Gebrauch einer Hand - Greifen und Halten - Schreiben“ | Was ist versichert?, page 1 |
| Use of the arms (lifting overhead, stretching out) | yes | „der Gebrauch eines Armes“ | Was ist versichert?, page 1 |
| Walking (distance in metres without a break) | yes | „der Gebrauch der Beine“ | Was ist versichert?, page 1 |
| Climbing stairs | yes | „der Gebrauch der Beine - Treppensteigen“ | Was ist versichert?, page 1 |
| Standing | yes | „Treppensteigen - Stehen“ | Was ist versichert?, page 2 |
| Sitting | yes | „Gleichgewichtssinn - Sitzen“ | Was ist versichert?, page 2 |
| Kneeling and bending | yes | „Heben und Tragen - Knien oder Bücken“ | Was ist versichert?, page 2 |
| Lifting and carrying a weight | yes | „der Gebrauch eines Armes - Heben und Tragen“ | Was ist versichert?, page 1 |
| Keeping balance | yes | „Stehen - Gleichgewichtssinn“ | Was ist versichert?, page 2 |
| Driving a car (loss of the licence for health reasons) | yes | „die Eignung, ein Auto zu führen“ | Was ist versichert?, page 1 |
| Using public transport | yes | „die Nutzung des öffentlichen Personennah- und -fernverkehrs“ | Was ist versichert?, page 1 |
| Using a smartphone, keyboard or computer | yes | „das Benutzen einer Tastatur - die Nutzung eines Smartphones“ | Was ist versichert?, page 1 |
Mind, mental health and care
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Mental capacity (orientation, memory, concentration) | yes | „Fahrradfahren - geistige Leistungsfähigkeit“ | Was ist versichert?, page 2 |
| Dementia as a separate trigger | not addressed | ||
| Mental illness covered (own module or in the basic cover) | not addressed | ||
| Need for long term care as a trigger | yes | „Wird die versicherte Person infolge Krankheit, Körperverletzung oder mehr als …“ | Leistung bei Pflegebedürftigkeit, page 2 |
| Serious illness (cancer, heart attack, stroke) as module or trigger | not addressed | ||
| Organ failure and transplant as a trigger | not addressed | ||
| Work ban under infection protection law as a trigger | not addressed | ||
| Benefit during long sick leave | not addressed |
Options and extra benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Increase guarantee on life events (marriage, birth, property, income) | not addressed | ||
| Maximum increase (per event and in total) | not addressed | ||
| Increase without a reason in the first years | not addressed | ||
| Indexation (planned increase of premium and pension) | not addressed | ||
| Guaranteed pension increase during a claim | not addressed | ||
| Switch option into disability income cover without new health check | not addressed | ||
| Rehabilitation or retraining support (costs or advice) | yes | „Bei Eintritt des Versicherungsfalls bieten wir kostenfrei Integrations- und …“ | Integrations- und Rehabilitationsberatung, page 2 |
| Premium deferral with full cover in financial difficulty | not addressed |
Claims assessment and disclosure
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Aids: which are deemed reasonable in the assessment | not addressed | ||
| Deadline for the insurer's claim decision | not addressed | ||
| No time limited acknowledgement of the claim | not addressed | ||
| Follow up review of the claim after acceptance | not addressed | ||
| Retroactive payment on late notification | not addressed | ||
| Period in which the insurer may invoke a breach of disclosure | not addressed | ||
| Waiver of withdrawal and termination for innocent or slightly negligent non disclosure | not addressed | ||
| Waiver of retroactive adjustment for innocent non disclosure | not addressed |
Exclusions and waiting periods
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Waiting period for individual triggers (for example mental illness, serious illness) | not addressed | ||
| War: passive war risk abroad covered | not addressed | ||
| Exclusion for NBC weapons and nuclear energy (scope) | yes | „innere Unruhen, sofern die versicherte Person auf Seiten der Unruhestifter teilgenommen …“ | Was ist nicht versichert?, page 3 |
| Exclusion for deliberate causation or self harm | yes | „eine absichtliche Selbstverletzung oder eine absichtliche Herbeiführung einer Krankheit.“ | Was ist nicht versichert?, page 2 |
| Exclusion for alcohol, drugs or medication abuse | not addressed | ||
| Exclusion for an intentional crime of the insured person | yes | „die vorsätzliche Ausführung oder der Versuch einer Straftat durch die versicherte Person.“ | Was ist nicht versichert?, page 2 |
| Hazardous leisure (motor sport, aviation, diving) not excluded | not addressed | ||
| Exclusion for radiation damage outside medical treatment | yes | „Strahlen infolge Kernenergie.“ | Was ist nicht versichert?, page 3 |
Contract and premium
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Guaranteed maximum premium (gross premium) over the whole term | not addressed | ||
| No ordinary termination right of the insurer | not addressed | ||
| Termination by the policyholder (notice, surrender value) | yes | „Sie können Ihren Vertrag jederzeit zur nächsten Beitrags-Fälligkeit kündigen. Bei einer …“ | Wie kann ich meine Versicherung kündigen?, page 3 |
| Paid up option or reduction instead of termination | not addressed | ||
| Reinstatement after paid up option without new health check | not addressed |
Austria and Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Austria: care allowance level under the federal care allowance act as trigger | not addressed | ||
| Spain: dependency grade under Law 39/2006 (grade II severe, grade III major) | not addressed | ||
| Spain: list of serious illnesses and definition of first diagnosis | not addressed | ||
| Spain: survival period after diagnosis | not addressed | ||
| Spain: exclusion of pre existing conditions | not addressed | ||
| Spain: limiting clauses highlighted and signed separately (art. 3 Law 50/1980) | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Zurich Deutscher Herold Lebensversicherung Aktiengesellschaft
- Distribution
- not known
- Grundfähigkeits-Schutzbrief, Unterlage in einfacher Sprache Edition: Produktinformation nach BFSG, ohne Datum Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German. It is printed on the German page for Zurich Schutzbrief and available as plain text.
Volltext Zurich Schutzbrief · As text (Markdown) Zurich Schutzbrief