💰 doubling down on financial security with uniVersa's top-rated Occupational Disability Insurance
University-level disability insurance: Double compensation for policyholders at uniVersa
When it comes to securing your income, you want a rock-solid insurance policy that steps up in a real crisis. uniVersa's Occupational Disability Insurance (ODI) is just that, winning not one, but TWO "Five Stars/Excellent" ratings from Morgen & Morgen (M&M)!
Why should you care about ODI? Well, it's all about protecting your earning capacity when illness or injury keeps you from working. M&M rigorously tested 639 tariffs and tariff combinations from various insurers, judging them according to four sub-areas: conditions, competence, premium stability, and application questions. The top-tier "Excellent" rating, achieved by uniVersa's ExclusiveSBU and PremiumSBU, is reserved for only the crème de la crème.
At the beginning of this year, uniVersa launched their infallible ODI duo. Both the ExclusiveSBU and the PremiumSBU offer fantastic flexibility, enabling you to design your price-performance ratio to meet your specific needs. Let me fill you in on what they offer:
ExclusiveSBU Policy
- Job Changes:rest easy with a cheaper health check when you change jobs.
- Extensive Guarantees: enjoy extensive follow-up insurance guarantees to keep you covered in those tricky grey areas.
- Extend Your Coverage: effortlessly extend your coverage without the hassle of another health check.
- Early Insurance for Students: students can be insured against school or study disability as young as 10 years old!
- Civil Servants and Police Officers: gain additional security with a powerful service and police service disability clause (for our law-enforcement friends).
PremiumSBU Policy
- Enhanced Protection: receive enhanced protection compared to the ExclusiveSBU, with higher benefit amounts or more comprehensive coverage options.
- Priority Claims Processing: skip the wait and get priority claim processing when you need it most.
- Personalized Service: enjoy personalized service with dedicated support and financial guidance.
- Investment Opportunities: add investment opportunities to grow your premiums over time.
- Tax Benefits: depending on jurisdiction, collect tax benefits when you pay premiums or receive benefits.
But wait, there's more! uniVersa's ODI policies also include the following benefits:
- Comprehensive Coverage: protect yourself against a wide range of disability scenarios.
- High Payout Ratio: receive a substantial portion of your premiums back in claims when you truly need it.
- Flexible Premium Payments: pay your premiums in a way that suits your financial situation.
- Customizable Coverage: tailor your coverage to specialize in your specific profession.
In the realm of financial security, uniVersa's Occupational Disability Insurance (ODI) stands out, earning two "Five Stars/Excellent" ratings from Morgen & Morgen (M&M). This insurance provides extensive coverage for health-and-wellness issues that might prevent you from working, and it offers a significant level of science-backed protection. Whether you opt for the ExclusiveSBU or the PremiumSBU, you'll benefit from features like personalized service, investment opportunities, and tax benefits – all designed to support your health-and-wellness and financial needs.
