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Assekura Online

Insurance, Germany, Bavaria, Munich

Assekura Online provides innovative digital insurance solutions for a seamless and secure experience.

About Assekura Online

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Basics

Type
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Founded
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Total Employees
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Employees on Linkedin
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Employees on OWCareers
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Main Office
Germany, Bavaria, Munich
Official Website
http://www.assekura-online.de
Location Address Official Phone Email
Germany, Bavaria, Munich Germany, Bavaria, Munich **** ****
LinkedIn https://linkedin.com/company/**** Get In Touch With Decision Makers
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FAQs – Assekura Online

Can technology help insurers combat moral hazard and adverse selection?

Yes, insurers use telematics, AI-driven analytics, and wearable health devices to assess risk more accurately and monitor behavior. These tools help insurers offer personalized premiums and detect fraudulent claims, reducing both moral hazard and adverse selection.


Can I add trip cancellation coverage after booking my trip?

Yes, but most insurers require you to purchase coverage within a certain period after making your initial trip deposit to qualify for full trip cancellation benefits.


What is the difference between third-party and comprehensive insurance?

Third-party insurance covers only damages to others, while comprehensive insurance covers both third-party damages and the policyholder’s own vehicle or property.


Why do insurers have policy exclusions?

Insurers include exclusions to clarify coverage limitations, manage risks, and keep premiums affordable. Exclusions prevent coverage for high-risk events, intentional acts, and certain pre-existing conditions. Policyholders should review exclusions carefully to understand what is and isn’t covered before purchasing a policy.


What is long-term care insurance?

Long-term care insurance helps cover the costs of care for individuals who need assistance with daily activities due to illness, aging, or disability. It pays for nursing homes, assisted living, or home care.


What is an example of indemnity in property insurance?

If a fire damages a house, indemnity insurance compensates for repairs or replacement costs up to the policy’s coverage limit.


Can liability insurance protect against defamation lawsuits?

Yes, general liability insurance often includes personal and advertising injury coverage, which protects against defamation, libel, slander, and false advertising claims filed against a business or individual.


What are the typical costs associated with private health insurance?

The costs associated with private health insurance include monthly premiums, deductibles, co-payments, and out-of-pocket expenses for certain treatments. Premiums vary depending on factors such as age, health status, coverage level, and the insurer. Additional costs may include co-payments for doctor visits or a percentage of the treatment costs, and deductibles that must be paid before the insurance coverage kicks in.


Comprehensive Market Research

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