Student Beginning: What are the 5 essential insurance coverages for students?
In a move to ensure students are well-protected, Zurich Insurance is providing guidance on essential insurances for students.
Firstly, Contents Insurance is highly recommended for students due to the valuable items often found in their apartments, such as laptops or tablets. This insurance can provide coverage in case of burglary, fire, or water damage. Additionally, it can insure items outside the apartment, such as a bicycle, when it is parked outside, but standardly, bicycles are insured in locked rooms like a bike cellar, not outside on the street.
Another important insurance for students is Private Liability Insurance. This is particularly important if they no longer live with their parents or have worked before starting their studies.
For those students who are not protected by statutory accident insurance at the university, the private accident insurance provider ERGO offers coverage. This covers accidents in leisure, sports, or at home where no statutory coverage exists.
Travel Insurance is also vital for students, especially those planning to study abroad or take trips during their academic journey.
Disability Insurance is another consideration for students. It provides financial support in case of illness or accident, ensuring they can continue their studies without financial strain.
Fund-based Pension Insurance is another long-term investment to secure financial stability after retirement.
Zurich's goal is to ensure students are fully informed and protected, and in many cases, the contents insurance of the parents continues to provide protection in the new accommodation through external insurance during the first degree or apprenticeship.
For shared apartments, a contents insurance for the entire apartment can be concluded, with one person taking out the contract and the other roommates listed in it. This ensures that all valuable items in the apartment are covered.
In conclusion, Zurich Insurance is providing a comprehensive guide for students to navigate the world of insurance, ensuring they are protected in various aspects of their lives. Whether it's Contents Insurance, Private Liability Insurance, Private Accident Insurance, Travel Insurance, Disability Insurance, or Fund-based Pension Insurance, Zurich has got students covered.
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