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[null,"Berufsunfähigkeitsversicherungen für Schüler im Vergleich"]
[]
[]
[]
[null,"SecurAL bietet echten BU-Schutz für Schüler!",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fußnote","Text"]
[null,null,"ALTE LEIPZIGER","Allianz","AXA","Basler","Canada Life","Condor","Continentale","Dialog","ERGO","Gothaer","HDI","Helvetia","LV1871","Nürnberger","Swiss Life","Volkswohl Bund","Württembergische",null,null,1,"erste 5 Jahre bis 35, bei EA < 15 Jahre bis 20"]
[null,"Fußnoten (durch * getrennt)","*1*","*20*21*","*7*10*11*","*30*31*","*4*","*17*","*16*24*25*27*33*","*28*",null,"*3*22*23*","*2*8*15*18*","*6*","*29*34*","*5*13*32*","*9*26*","*14*","*19*",null,null,2,"Leistungs-SA max. 67"]
[null,"Tarifname\nTarifbezeichnung\nStand der Versicherungsbedingungen","SecurAL\nBV10\n03 / 2018","EU-Police\nOBU U\n12 / 2017","SBU\nALVSBV\n12 / 2017","BUV (Einsteiger)\nBP(S)\n01 / 2017","SBU\nBU-Schutz\n02 / 2018","SBU Comfort\nC80 Comfort\n01 / 2018","PremiumBU Start Schüler (PBUS)\n01 / 2017","SBU-professional\n\n04 / 2018","SBU \nBUV\n01 / 2017","SBU Premium\nBU17 T\n07/2017","EGO Basic\nEV17\n01 / 2017","Helvetia SBU\nSBU(W)\n04/2017","Golden BU\nSBU\n01 / 2018","SchulunfähigkeitsV\nSBU2900S\n01 / 2017","BU 4U\n122\n01 / 2018","Selbständige BU\nSBU\n10 / 2017","Selbständige BU\nBURV\n06/2017",null,null,3,"einmalig in den ersten 5 Jahren"]
[null,"Versicherungsschutz des Schülers? \n(BU = Berufsunfähigkeit, SU = Schulunfähigkeit, EU = Erwerbsunfähigkeit)","BU","EU","SU","SU","BU","BU","SU 24","SU","SU","BU","EU mit abgekürzter Vers.dauer (max. 15 J.)2","SU","BU","SU mit abgekürzter Leistungsdauer 13","BU","SU","SU",null,null,4,"zum 5. und 10. Jahrestag des Vers.beginns"]
[null,"… volle Leistungen ab?","50 % BU","max. 3 Std. arbeiten","100 % SU und10","100 % SU","50 % BU","50 % BU","50 % SU","50 % SU","100 % SU","50 % BU","max. 3 Std. arbeiten","50 % SU","50 % BU","50 % SU","100 % BU","50 % SU","50 % SU",null,null,5,"unter bestimmten Voraussetzungen"]
[null,"… Prognosezeitraum?","6 Monate","3 Jahre","dauerhaft","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate",null,null,6,"erste 5 Jahre bis 35"]
[null,"… Verzicht auf abstrakte Verweisung? / … auch innerhalb des Berufsbildes »Schüler«?","ja / ja","nein / nein","ja / nein","ja / nein","ja / ja","ja / ja","ja / nein","ja / nein","ja / nein","ja / ja","nein / nein","ja / nein","ja / ja","ja / nein","ja / ja","ja / nein","ja / nein",null,null,7,"erste 5 Jahre bis 34"]
[null,"Versicherungsschutz nach Beendigung der Schulausbildung?","BU","EU","SU11","BU","BU","BU","EU 25","BU","BU","BU","EU mit abgekürzter VD2","BU","BU","EU","BU","BU","BU",null,null,8,"bis 5 J. vor Ablauf  Vers.dauer"]
[null,"… volle Leistungen ab?","50 % BU","max. 3 Std. arbeiten","100 % SU und10","50 % BU","50 % BU","50 % BU","max. 3 Std. arbeiten","50 % BU","50 % BU","50 % BU","max. 3 Std. arbeiten","50 % BU","50 % BU","max. 2 Std. arbeiten","50 % BU","50 % BU","50 % BU",null,null,9,"bis 20 Jahre vor Ablauf"]
[null,"… Prognosezeitraum?","6 Monate","3 Jahre","dauerhaft","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","6 Monate","dauernd","6 Monate","6 Monate","6 Monate",null,null,10,"mind. 30 % schwerbehindert"]
[null,"… Verzicht auf abstrakte Verweisung?","ja","nein","nein","ja","ja","ja","nein","ja","ja","ja","nein / nein","ja","ja","nein","ja","ja","ja",null,null,11,"sofern Aufnahme einer regelmäßigen, auf Dauer gerichteten beruflichen Tätigkeit, einer Berufsausbildung oder eines Studiums bis zum vollendeten 25. Lj. angezeigt wurde, andernfalls endet Versicherung im Alter 25"]
[null,"BU-Umstellungsoption?","-","ja20","ja11","-","-","-","ja16","-","-","-","ja8","-","-","ja5","-","-","-",null,null,12,"nur in den ersten 2 Jahren nach Vers.beginn, sofern BU versicherbar "]
[null,"… mit neuer Festsetzung des Beitrags?","-","ja","ja","-","-","-","ja","-","-","-","ja","-","-","ja","-","-","-",null,null,13,"sofern keine EU besteht, enden die Leistungen spätestens mit dem planmäßigen Ablauf der begonnenen Schulausbildung"]
[null,"… Kann Umwandlung vom Versicherer abgelehnt werden?","-","ja","ja","-","-","-","keine Angabe","-","-","-","ja15","-","-","ja","-","-","-",null,null,14,"sofern Individuelle Nachversicherungsgarantie vereinbart, Einkommensnachweise erforderlich, erste 5 Jahre"]
[null,"Rechtsanspruch auf Überprüfung der Berufsgruppe nach einem Berufswechsel?","ja","nein","nein","nein","nein","nein","nein","ja28","nein","nein","nein","nein","ja29","nein","nein","nein","nein",null,null,15,"sofern EU oder BU bereits eingetreten"]
[null,"Eintrittsalter mindestens?","10 Jahre","15 Jahre","8 Jahre","10 Jahre","15 Jahre","15 Jahre","10 Jahre","15 Jahre","15 Jahre","15 Jahre","15 Jahre","15 Jahre","10 Jahre","5 Jahre","10 Jahre","10 Jahre","15 Jahre",null,null,16,"erstmalige Aufnahme einer Berufsausbildung, Studium oder beruflichen Tätigkeit sind anzuzeigen"]
[null,"Schlussalter maximal?","67 Jahre","67 Jahre","65 Jahre","67 Jahre","67 Jahre","67 Jahre","67 Jahre","67 Jahre","67 Jahre","60 Jahre22","Eintrittsalter + 15 J.2","62 Jahre","67 Jahre","67 Jahre","67 Jahre","67 Jahre","67 Jahre",null,null,17,"Nachversicherung erst nach erfolgreichem Abschluss einer Berufsausbildung/Studium"]
[null,"Monatliche BU-Rente maximal?",1500,1000,1000,"700 € 30",1000,1000,1000,1000,1000,1000,1000,1000,1100,"1.000 €32",1000,1500,1000,null,null,18,"erste 5 Jahre bis 37"]
[null,"Dynamik einschließbar?","ja","ja","ja","ja","ja","ja","ja33","ja","k.A.","ja","ja","k.A.","ja","nein","ja","ja","k.A.",null,null,19,"erste 3 Jahre bis 45"]
[null,"Überschussverwendung Fondsanlage / verzinsliche Ansammlung möglich?","ja / ja","nein / nein","ja / nein","nein / nein","keine Ü-Beteiligung","nein / ja","nein / nein","nein / nein","nein / nein","nein / nein","nein / nein","nein / nein","nein / nein","nein / nein","nein / nein","ja / ja","ja / nein",null,null,20,"bei Aufnahme einer regelmäßigen, auf Dauer gerichteten Berufstätigkeit, einer Ausbildungstätigkeit oder eines Studiums (nur in den ersten 10 Jahren nach Vertragsabschluss)"]
[null,"Steigerung BU-Rente aus Überschussbeteiligung 2018 (keine Garantie für die Zukunft)",1.8499999999999999E-2,"k.A.",0.02,1.2500000000000001E-2,0,1.4500000000000001E-2,1.7999999999999999E-2,1.4999999999999999E-2,1.2500000000000001E-2,1.2E-2,1.9E-2,1.2E-2,2.1499999999999998E-2,1.7000000000000001E-2,1.0500000000000001E-2,1.4999999999999999E-2,1.7500000000000002E-2,null,null,21,"erste 5 Jahre bis 40"]
[null,"Nachversicherung bis Alter / ... auch ohne Ereignis?","50 / ja1","45 / ja 21","44 / ja7","49 / ja31","50 / ja4","nein17","50 / ja27","49 / nein","44 / nein","23 / ja3","49 / ja18","45 / ja6","50 / ja34","keine NVG","9 / ja26","49 / ja14","45 / ja19",null,null,22,"Leistungsdauer bis SA 67 möglich"]
[null,"Morgen & Morgen BU-Rating 2018 / Alle Teilratings 5 Sterne?","5 Sterne / ja","kein Rating","4 Sterne / nein","5 Sterne / nein","4 Sterne / nein","5 Sterne / nein","5 Sterne / nein","5 Sterne / nein","5 Sterne / nein","5 Sterne / nein","kein Rating","4 Sterne / nein","5 Sterne / nein","4 Sterne / nein","5 Sterne / nein","5 Sterne / nein","5 Sterne / nein",null,null,23,"spätestens 15 J. vor Ablauf der Leistungsdauer oder innerhalb der ersten 10 J."]
[null,"Softfair BU-Leistungsrating für Zielgruppe Schüler","5 Eulen","kein Rating","3 Eulen","5 Eulen","5 Eulen","5 Eulen","kein Rating","5 Eulen","4 Eulen","5 Eulen","kein Rating","kein Rating","5 Eulen","3 Eulen","5 Eulen","kein Rating","5 Eulen",null,null,25,"Umstellung auf EU im Alter 22 bei unverändertem Beitrag, sofern Anzeige Berufsausbildung, Studium oder berufliche Tätigkeit unterbleibt"]
[null,"Schüler, Eintrittsalter 15, Schlussalter 65, BU-Rente monatlich 1.000 €,\nÜberschussverwendung Beitragsverrechnung","64,57 € 2\n50,36 € 3","42,24 € 2\n35,48 € 3","83,12 € 2\n50,29 € 3","max. BU-Rente mtl. 700 € 30",null,"76,52 € 2\n53,57 € 3","Stufenbeitrag","Einjährig kalkulierte Beiträge",null,"max. SA 60",null,null,"abhängig von Schulzweig","53,62 € 2\n35,92 € 3","68,14 € 2\n44,29 € 3",null,"43,57 € 2\n27,01 € 3",null,null,27,"erste 5 Jahre bis 35"]
[null,"... Einstufung in Berufsgruppe","BG 2+ 4","BG H","BG Schüler","BK 5 32",null,"BG 2","k.A.","BG 3",null,"BG 2+",null,null,"-","BG 2","BG 2",null,"EU-BK 1",null,null,24,"keine 6-Monats-Prognose (nur rückwirkende Betrachtung)"]
[null,"16 erstmalige Aufnahme einer Berufsausbildung, Studium oder beruflichen Tätigkeit sind anzuzeigen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,26,"erste 5 Jahre"]
[null,"20 bei Aufnahme einer regelmäßigen, auf Dauer gerichteten Berufstätigkeit, einer Ausbildungstätigkeit oder eines Studiums (nur in den ersten 10 Jahren nach Vertragsabschluss); 21 erste 5 Jahre bis 40",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,28,"innerhalb von 3 Jahren nach Abschluss der schulischen bzw. akademischen Ausbildung, sofern VP bei Vers.beginn Schüler oder Student"]
[null,"25 Umstellung auf EU im Alter 22 bei unverändertem Beitrag, sofern Anzeige Berufsausbildung, Studium oder berufliche Tätigkeit unterbleibt; 27 erste 5 Jahre bis 35; 24 keine 6-Monats-Prognose (nur rückwirkende Betrachtung)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,29,"nach Abschluss der Schulausbildung, Studium bzw. Berufsausbildung"]
[null,"33 ab 9. Vers.jahr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,"ab Klasse 11: 1.100 €"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,31,"zu Beginn des 6. und 11. Vers.jahres"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,"EA 5: 300 €, EA 6: 600 €"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,33,"ab 9. Vers.jahr"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,34,"mit 3-jähriger Wartezeit (Ausnahme: Unfall)"]
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[]
[null,"Quellen: Bedingungen der Gesellschaften, Recherche ALTE LEIPZIGER"]