Experts find fault in the selection of insurance products to independent institutions, such as for example Stiftung Warentest tests how the tester support more and more consumers. A current test and the reactions to it, however, show that these tests are not always meaningful. The current research in the area of occupational disability insurance by Stiftung Warentest (Finanztest Edition 7/2013) significant technical defects according to experts from the industry. Very good”for the test of Stiftung Warentest for the disability insurance the disability insurance belongs to the most important insurance products in the personal allowance. Robert Iger brings even more insight to the discussion. Will you lead, considerable loss of income, are threatening the financial problems due to an accident or illness berufsunfahig. Government support in the event of occupational disability is barely sufficient to cover the financial requirements. So it is not surprising that tests for occupational disability insurance attention receive. So, the Stiftung Warentest for the disability insurance always current tests, published a July 2013 its consumer magazine last in the issue.
Already shortly after the release of the test but first voices were loud and many insurance experts expressed critical over the results. Get the test three quarters have 75 tested rates the top grade very well”. The criticism of the insurance experts: Numerous test criteria were hollowed out and rates to artificially provided with a very good touch. Criticism of the test of professional impotence 2013 also the renowned rating agency Franke and Bornberg expressed criticism of the procedure of the tester in a communication and analyzed in-depth investigation of the Stiftung Warentest. According to the experts of the independent House of analysis, it is questionable to classify the professions in only four classes of risk, as it did in the Stiftung Warentest. Many insurers divide the various occupational fields much more in terms of the risk of disability, so be up to 24 High-risk groups are not uncommon. However, the advice of the tester, the amount of pension in favour of a lower contribution from insurance is still worthy to reduce or to quote an insurance age of only 60. Total, much too few criteria were been taken into account by the financial test testers.
“Many as very good” tested tariffs would be far worse been evaluated, would have given other important clauses or performance exclusions. Instead it confined here to a handful of factors. Quote for the best rate shows the criticism of the test especially in a complex insurance, such as the disability insurance, the evaluation by a consumer magazine alone not enough to find the best rate for their own protection.