I am of the opinion that the insurance company will not pay in the event of an emergency anyway. The burden of proof lies with the policyholder. It is best to take out legal protection at the same time, of course not with the same insurance company as for the occupational disability insurance.
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@Endbenutzer This has nothing to do with opinions, but with facts. And the facts are different. If there is a conditional benefit case, there are rarely problems with the payment of the agreed benefit. Logically, you have to prove that you are unable to work. If you cause an accident with your car, you must also provide proof of the damage. Anything else would be nonsense.
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@Dr27589 Then it's expert opinion against expert opinion. Sure, you can sue, but it takes time. But so be it. Everyone can decide for himself whether he wants to insure himself or not.
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@Endbenutzer You have a free choice of doctor. In my case, there has never been a problem. And you can also find statistics on this online - they don't show anything different. But yes, everyone can decide for themselves.
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