Which services are included in my insurance policy?
September 29, 2022 | 30,00 EUR | answered by Katrin Sontheimer
Dear insurance attorney,
My name is Johann Dornbusch and I have a question regarding my insurance policy. Some time ago, I took out an insurance policy, but I am not sure which benefits are exactly included in my contract.
The situation is as follows: I took out the insurance two years ago because I wanted to protect myself against various risks. However, recently I have been experiencing more problems and I am wondering if these are covered under the benefits of my insurance policy.
Currently, I am in a situation where I urgently need medical assistance, but I am unsure if these costs will be covered by my insurance. Additionally, I recently had an accident and had to repair my car - here too, I am wondering if the repair costs will be covered by my insurance.
My concerns are that I do not know exactly what benefits my insurance covers and what it does not. I want to ensure that in case of an emergency, I will not be left with the costs, and therefore would like to have clarity on what benefits are included in my insurance policy.
Could you please detail the benefits included in my insurance policy and whether my current problems are covered by it? Are there possible solutions if my current problems are not covered by my insurance?
Thank you in advance for your help.
Sincerely,
Johann Dornbusch
Dear Mr. Dornbusch,
Thank you for your inquiry regarding your insurance policy. It is understandable that you are concerned if you are unsure about the exact coverage in your contract. It is important to be aware of what your insurance covers in order to be optimally protected in case of a loss.
First of all, it is advisable that you carefully read through your insurance policy to find out what benefits are included. All details regarding covered risks, benefits, and exclusions should be listed there. If you do not have your policy on hand or have difficulty understanding the information contained in it, feel free to contact me to analyze it together.
Regarding your current issues, namely the urgently needed medical assistance and the repair costs of your car after an accident, I can tell you that the costs are typically covered by different insurances. For your medical treatment, your health insurance would be primarily responsible. Please also review the exact benefits of your health insurance policy to ensure that your costs are covered.
For the repair costs of your car after an accident, your motor vehicle liability insurance would typically be responsible, provided you have one. Again, it is important to review the specific terms of your car insurance to ensure that the repair costs are covered.
If it turns out that your current issues are not covered by your insurance, possible solutions could be to take out additional insurances that cover these risks or consider alternative payment options.
In conclusion, I recommend you to get in touch with me to review your insurance policy together and clarify any questions. I am at your disposal to help you with any insurance-related queries.
Best regards,
Katrin Sontheimer
Insurance Law Attorney
