Delta Lloyd has been one of the top providers for over ten years – Highest scores for terms and conditions, expertise and application questions – Comprehensive service for agents and customers from tele-underwriting to tele-claiming.
All six of Delta Lloyd’s occupational disability tariffs have once again been awarded five stars by Morgen & Morgen in their current ratings. In the data just released by Morgen & Morgen, the Wiesbaden-based company’s tariffs not only achieved the highest overall rating, but also the highest rating for individual aspects such as ease of understanding the application questions, terms and conditions and expertise in the field of occupational incapacity.
Comprehensive service for agents and customers
Alongside its excellent occupational disability tariffs, Delta Lloyd also offers agents and customers a comprehensive service in the field of occupational incapacity. Delta Lloyd was the first insurer in Germany to introduce tele-underwriting, which involves a telephone interview during which the insurer’s specially-trained staff go through the application and/or health questions with the customer and carry out the assessment. This has several advantages for the agent: firstly it saves time since, since the Insurance Contract Act (VVG) reform, application questions are considerably more detailed and answering them has become much more time-consuming. In addition, through tele-underwriting, liability is transferred to Delta Lloyd.
Support before occupational incapacity
The end customer also benefits from Delta Lloyd’s extensive support for matters relating to occupational incapacity, even before the worst happens. Every customer who has taken out a Delta Lloyd occupational disability policy can use the “occupational incapacity prevention service”, for up to 12 hours’ free psychological consultation. There are many reasons why a customer may need to speak to an expert: relationship problems, difficulties at work, long-term stress and the feeling of being burnt out are just a few examples. This advice is free for customers and is part of their insurance in accordance with the participation feature. Naturally, anything discussed between the counsellor and the customer is covered by patient confidentiality; Delta Lloyd holds no information.
Faster help through tele-claiming
If the customer nevertheless becomes incapable of working, they will receive help quickly through the recently-introduced tele-claiming service. Using this new service, the customer will receive comprehensive help by telephone in the event of becoming unable to work, to give support in this difficult situation and so that help is received as quickly as possible.
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For further information:
Martina Fassbender
Telephone: 0611 773 25 71
E-mail: martina.fassbender@deltalloyd.de
Notes to editors:
About Delta Lloyd
Delta Lloyd Germany is a 100% subsidiary of Delta Lloyd Group, Amsterdam, and therefore part of the British Aviva Group. The company offers a one-stop shop for a wide range of financial, investment and provident products and also provides expert advice on all financial matters. Along with the Delta Lloyd Leben and Hamburger Leben life insurance companies, the Delta Lloyd Group in Germany is made up of a pension fund and a consultancy company for company pension schemes, as well as its own private bank, a property company and a mortgage brokerage.