Did you already purchase your season ticket for your skiing trips or pay your membership for a gym or swimming pool? Due to an accident or a lengthy illness you are no longer able to make use of your long-term or season ticket: in these cases the Assistance insurance will cover your costs. This way, you save yourself the financial frustration. The Assistance element is part of the youth insurance.
If your skis, bike or surfboard are stolen or damaged while you're out and about, your standard household contents insurance will not apply. With the additional insurances «household content all risks» and «simple theft out-and-about«, you are protected nevertheless and are compensated with the value as new in case of a claim. These additional insurances are available under the household contents element of the youth insurance.
During his skiing holiday in Austria, Tim collides with another skier on the piste. She is injured and is transported to hospital by the rescue services. The skier's equipment is also damaged in the collision. As a result of the accident, the woman is unable to take care of the household of her family of four for three months. Thanks to the private liability insurance, the costs for home help and to replace the damaged ski equipment are covered. The private liability element is a supplement to the youth insurance.
The state benefits in case of earning disability are very low for students and career entrants, and the same applies for benefits from the occupational benefit scheme – if there are any. If you find yourself no longer able to work due to an accident or illness, then your expenditure will no longer be in line with your income. With private disability insurance or the corresponding additional insurance within the youth insurance, this gap can be filled.