What is the most dangerous pastime
Dangerous hobby = no BU?
When is a hobby considered dangerous? Does a recreational soccer player have to expect serves or are only ski jumpers and boxers affected? How does a dangerous hobby affect the cost of disability insurance?
Table of contents of this page
Risk assessment is standard in the BU
If you want to take out disability insurance, you can assume that the insurer will carry out a risk assessment. In addition to the BU health check, this also includes the customer's leisure activities. If, for example, he practices a hobby that is classified as dangerous by the insurance, this will affect the premiums or the scope of insurance. Depending on how dangerous the BU insurer assesses the leisure activity, it can become too Risk surcharges, Exclusions from insurance coverage or one Rejection of the insurance application.
Terminology - explained briefly and concisely
The risk surcharge is a percentage increase in the normal insurance premium. The amount of the surcharge is determined and stipulated in writing before the contract is concluded. The insurer charges risk surcharges, for example, for dangerous hobbies or for certain particularly dangerous professions.
Exclusions are determined by the insurers and define circumstances under which the insurance cover does not apply. In addition to general exclusions that are standard in BU contracts (e.g. BU due to war, nuclear energy, criminal offenses or also due to an unsuccessful suicide), insurers can formulate further exclusions. These individual exclusions then relate, for example, to previous illnesses, work-related risks or an occupational disability that is triggered by a hobby.
Insurance can also refuse a customer entirely. If a provider assesses the risk of incapacity to work as too high, he will completely refuse the customer the insurance cover.
When does a hobby become a danger?
The hobby is not always the reason that the insurance charges surcharges. The way in which the leisure activity is carried out usually plays a decisive role. When diving, for example, the depth of the dive and the places where the dive takes place determine whether the insurance company requires a risk premium.
In addition to the leisure activities that can lead to problems with the risk assessment of an occupational disability insurance, there are hobbies that are completely excluded from the insurance cover.
This is often the case when participating in competitions. Motorbike and car races or participation in martial arts competitions are usually excluded from insurance cover.
As a result, injuries that occur while exercising the hobby and lead to occupational disability are not insured. This means that the person concerned does not receive a BU pension in such a case.
Extreme sports that lead to rejection
- Cave diving
- Cliff jumping
Hobby extreme athletes are unlikely to get disability insurance. But who is only one Risk sport exercises, finds adequate protection with professional help.
If you are not honest, you end up without protection!
At first glance, it might seem tempting to hide a dangerous hobby - but that's a bad idea that only benefits the insurer in the event of a claim. If this proves that the policyholder lied when answering the questions about the risk assessment, he will reduce the benefit or refuse to pay the disability pension altogether.
Example mountain hiking and climbing
When it comes to mountain hiking in particular, insurers ask very specific questions. Where does the customer climb, which safety devices are used and how often does he practice his hobby? On the basis of these and similar questions, the insurers determine whether they require a risk premium.
The providers usually insure indoor climbing, normal mountain hikes, trekking or outdoor climbing with safety up to level 3 without any risk surcharge.
A hobby can get so expensive
Dangerous hobbies usually result in high risk premiums. Contribution increases of 50 or even 100 percent are common. However, insurers' assessments of which hobbies are dangerous differ widely. Anyone who has a dangerous hobby in their spare time should consult an insurance broker. This can determine the right provider with an anonymous risk inquiry.
A tip from insurance broker and BU expert Katharina Krech
For the conclusion of an occupational disability insurance, only the current leisure behavior counts. If a dangerous hobby is only taken up after the contract has been signed, this does not normally have to be reported to the insurance company. New hobbies are included in the insurance at no additional charge.
With a pre-risk inquiry for BU protection
Since insurance companies rate the dangers of hobbies differently, it is advisable to consult an insurance broker. This can make a risk advance inquiry.
As part of such a risk preliminary inquiry, the relevant information on hobbies and health information is collected. The insurance broker then sends this data to several insurances at the same time and can create offers for occupational disability insurance. This is how you can find the best insurance despite a dangerous hobby. It can happen that one insurer demands a risk premium or an exclusion and another insurer does not.
These hobbies are safe
Not all hobbies are considered dangerous. Sports such as soccer, basketball, golf, cross-country skiing, trail riding and many more are not considered dangerous leisure activities. However, to be on the safe side, anyone who does not only play chess in their free time should indicate their hobbies or seek advice from a professional before concluding a contract. Even if you consider your hobby to be harmless yourself, an insurer can see it very differently.
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