E.I.C. is an experienced company in the field of insurance brokerage services with a focus on international social security and health insurance. We offer customized solutions for individuals and companies operating abroad. Our team is available for consultations via Skype, telephone and in person. We specialize in profitable investments with a focus on care properties. Our many years of experience in international trade enable us to offer first-class advice. Please do not hesitate to contact us for further information.
Occupational Disability Insurance
Our areas of expertise
High-performance international health insurance is essential for any longer stay abroad.
The tariffs offered on the market are varied and differ significantly in many aspects of benefits. You are already familiar with the excellent German health insurance system, with nationwide access to doctors, hospitals and rehabilitation facilities, as well as (almost) seamless insurance cover with no limits on sums insured.
on sums insured. Naturally, we would be reluctant to give up this standard. For this reason, we attach great importance to ensuring that the health insurance concepts we offer meet European and, above all, German standards. You should therefore check each offer for the following features in order to be able to distinguish high-quality from mediocre and incomplete cover:
– No limit on the amount of insurance benefits
– 24-hour worldwide assistance services
– No waiting periods
– Free choice of doctor and hospital
– Direct billing
Unfortunately, there is always a risk of having an accident, but in big cities like Shanghai, Delhi or Bangkok with thousands and thousands of road users, the danger is even greater. It is therefore all the better to have the right cover for your personal situation. Here too, you should first check whether you already have a policy and whether it covers long-term stays abroad. You should also check whether you already have a group contract through your employer, which you can join at preferential conditions.
The following questions must be clarified in order to find adequate cover: Are you traveling abroad alone or with family? How long will you be abroad? How high should the disability and death benefits be? What assistance services do you need?
Claims can quickly result in considerable expenses. Insurance policies that were set up in Germany are often only valid to a very limited extent outside Europe. Often the “worldwide” cover is only limited to a few years abroad or even expires completely if you move out of Germany or Europe. It is therefore advisable to inform your previous insurance company if you are going to be living abroad and have your insurance cover confirmed during this time. If this is not possible, we can find solutions for you with our partners. Corresponding confirmation should also be obtained for other contracts such as accident, occupational disability or legal expenses insurance, etc.
In Germany, around 1.8 million people receive a disability pension from the statutory pension insurance scheme. However, even this limited protection is usually lost during the course of your stay abroad. Yet your ability to work is the basis for the livelihood of you and your family. Private occupational disability insurance offers you comprehensive protection. As a rule, benefits are also provided worldwide. The pension amount and the final age can be adjusted to suit your personal needs and life planning.
Life insurance is a type of insurance that provides financial security for your family and loved ones in the event of the policyholder’s death. In the event of the policyholder’s death, the designated beneficiaries receive a predetermined sum, known as the death benefit. This payout can be used to cover the financial needs of the surviving dependants, such as funeral costs, outstanding debts, mortgages or ongoing living expenses.
In addition, life insurance can also serve as a long-term form of savings.
There are different types of life insurance, each offering different benefits and functions. One of the most popular forms is endowment insurance, which combines a death benefit and a savings component. Here, the insured person pays regular premiums during the term of the contract, some of which are invested in a capital investment and thus enable a surrender value or a payout on expiry of the contract. This accumulated capital can be used for various purposes, such as major purchases, education costs or as additional retirement provision.
When deciding on a life insurance policy, it is important to consider your individual needs and financial goals. Life insurance can be a valuable safeguard for your loved ones and at the same time provide an opportunity to build up long-term wealth.
Retirement provision is an essential part of personal financial planning and plays a decisive role in ensuring a financially secure future in retirement. It enables you to build up a financial cushion that ensures a certain quality of life and independence even after retirement.
There are various forms of pension provision, including occupational and private pensions, state pension insurance and private savings plans or insurance. Each of these forms offers specific advantages and disadvantages, depending on individual needs and financial goals.
State pension insurance is a fundamental component of old-age provision and guarantees basic security for retirement. It is based on the pay-as-you-go system, in which the contributions of those in employment are used to finance the pensions of current pensioners. In addition, supplementary measures such as occupational pension provision or private pension insurance can help to close the pension gap and guarantee your standard of living in retirement.
A private pension offers you the opportunity to save additional capital and benefit from attractive returns. Private savings plans or pension insurance allow you to make flexible provisions for your retirement and respond to your individual needs. When choosing a pension plan, it is important to consider your personal financial goals and your individual life situation. Early and careful planning of your retirement provision can help you to achieve your goals and retire with good financial security.
Chairman of the Advisory Board
Assistant to CEO
CHO – Chief Happiness Officer
Years of experience