Insurance despite psychotherapy?
The answer of the expert
Unfortunately this is the common practice. It is understandable that insurance companies want to protect themselves against high risks - after all, about 38 percent of all occupational incapacity cases are caused by mental illness. It is not understandable, however, that all insurance applications are rejected on a lump-sum basis if someone is currently undergoing psychotherapy or psychotherapy is usually three to five years old. Because it is completely undifferentiated when mentally ill people who are no longer able to work or are suicidal are lumped together with all those who want to manage an outpatient psychotherapy crisis after a divorce or the death of a close relatives.
The current practice carries a risk for applicants: In the meantime, health problems arise, eg. After an accident, for example, you hardly have a chance on this existentially important hedge. Because women have a much greater health awareness than men and are more likely to use crisis management with professional help, they are particularly hard hit by the 5-year clause. The regulation is in my opinion discriminatory and so outdated - a change is urgently needed. Unfortunately, there is currently only the option to resubmit the application later.
Financial expert Helma Sick
Helma Sick is an independent financial advisor. In her office in Munich, she primarily advises women in matters relating to investment, retirement provision and insurance. For many years she has been writing her column "Money Tips" in the ChroniquesDuVasteMonde.
