Produktinformationsblatt - HUK

3URGXNWLQIRUPDWLRQVEODWW]XU
3ULYDW+DIWSƃLFKWYHUVLFKHUXQJ
Ihr Versicherungsschutz:
0LWGHQIROJHQGHQ]HKQ3XQNWHQJHEHQZLU,KQHQHLQHQHUVWHQ¹EHUEOLFNÙEHUGLH3ULYDW+DIWSƃLFKWYHUVLFKHUXQJ
'LHVH,QIRUPDWLRQHQVLQGQLFKWDEVFKOLH¼HQG'HUYROOVWÁQGLJH9HUWUDJVLQKDOWtHLQVFKO9RUDXVVHW]XQJHQIÙU
XQVHUH/HLVWXQJtHUJLEWVLFKDXVIROJHQGHQ'RNXPHQWHQ'HQ$OOJHPHLQHQ9HUVLFKHUXQJVEHGLQJXQJHQ
IÙUGLH3ULYDW$PWVXQG9HUPÓJHQVVFKDGHQ+DIWSƃLFKWYHUVLFKHUXQJ3+9,KUHP$QWUDJXQG,KUHP
9HUVLFKHUXQJVVFKHLQ:HQQ6LH9HUVLFKHUXQJVQHKPHUGHU+8.&2%85*VLQGJLOWDX¼HUGHPGHUHQ6DW]XQJ
%HL)UDJHQKHOIHQZLU,KQHQJHUQZHLWHU
1. Um was für eine Versicherung handelt es sich?
9HUVLFKHUWVLQG6FKDGHQVHUVDW]DQVSUÙFKHGLHHLQ'ULWWHUJHJHQ6LHDXIJUXQGJHVHW]OLFKHU+DIWSƃLFKWEHVWLPPXQJHQSULYDWUHFKWOLFKHQ,QKDOWVJHOWHQGPDFKWZHLO
sHLQH3HUVRQYHUOHW]WRGHUJHWÓWHWZXUGH3HUVRQHQVFKDGHQ
sHLQH6DFKHEHVFKÁGLJWRGHU]HUVWÓUWZXUGH6DFKVFKDGHQ
sHLQ9HUPÓJHQVVFKDGHQYHUXUVDFKWZXUGH
,QGHU$PWVXQG9HUPÓJHQVVFKDGHQ+DIWSƃLFKWYHUVLFKHUXQJJLOWGDVDXFKIÙUJHVHW]OLFKH+DIWSƃLFKWEHVWLPPXQJHQÓIIHQWOLFKUHFKWOLFKHQ,QKDOWV
+DEHQ6LH9HUVLFKHUXQJVVFKXW]SUÙIHQZLUREXQGLQZHOFKHP8PIDQJ6LH]XP6FKDGHQVHUVDW]YHUSƃLFKWHWVLQG
9RQEHUHFKWLJWHQ6FKDGHQVHUVDW]DQVSUÙFKHQVWHOOHQZLU6LHIUHL8QEHJUÙQGHWH$QVSUÙFKHZHKUHQZLUDXIXQVHUH
.RVWHQYRQ,KQHQDEtDXFKYRU*HULFKW
6LHNÓQQHQ]ZLVFKHQGHU3ULYDW+DIWSƃLFKWYHUVLFKHUXQJ&ODVVLFXQGGHU3URGXNWOLQLHPLWUHGX]LHUWHP9HUVLFKHUXQJVVFKXW]t3ULYDW+DIWSƃLFKWYHUVLFKHUXQJ%DVLVtZÁKOHQ9HUVLFKHUXQJVVFKXW]EHVWHKWELV]XGHQYHUHLQEDUWHQ9HUVLFKHUXQJVVXPPHQ
1ÁKHUHVƂQGHQ6LHLQ$%XQG%3+9
2. Was und wer ist versichert?
9HUVLFKHUWLVW,KUHJHVHW]OLFKH+DIWSƃLFKWDOV3ULYDWSHUVRQDXVGHQ*HIDKUHQGHVWÁJOLFKHQ/HEHQV9HUVLFKHUXQJVVFKXW]EHVWHKWEVSZEHLP6SRUWIÙUEHVWLPPWH+DXVWLHUHZHQQ6LHZHJHQHLQHU9HUOHW]XQJ,KUHU$XIVLFKWVSƃLFKWÙEHU,KUH.LQGHUYHUDQWZRUWOLFKJHPDFKWZHUGHQ1ÁKHUHVƂQGHQ6LHLQVEHVRQGHUHXQWHU$XQG$
3+9
1HEHQ,KQHQLVW,KU(KHSDUWQHURGHUHLQJHWUDJHQHU/HEHQVSDUWQHUPLWYHUVLFKHUW$X¼HUGHPVLQG,KUH.LQGHUXQG
ZHLWHUH3HUVRQHQXQWHUEHVWLPPWHQ9RUDXVVHW]XQJHQJHVFKÙW]W'HWDLOVNÓQQHQ6LHLQ$3+9QDFKOHVHQ
6LHNÓQQHQGLH3ULYDW+DIWSƃLFKWYHUVLFKHUXQJDXFKDOV6LQJOH9HUVLFKHUXQJDEVFKOLH¼HQ9HUVLFKHUWVLQGGDQQ
tDEJHVHKHQYRQZHQLJHQ$XVQDKPHQtQXU6LHDOV9HUVLFKHUXQJVQHKPHU1ÁKHUHVƂQGHQ6LHXQWHU$3+9
8P%HLWUDJ]XVSDUHQNÓQQHQ6LHHLQH6HOEVWEHWHLOLJXQJLQ+ÓKHYRQbPLWXQVYHUHLQEDUHQ%HLZHQLJHQ
/HLVWXQJHQPÙVVHQ6LHHLQH6HOEVWEHWHLOLJXQJDXFKRKQHGLHVH9HUHLQEDUXQJWUDJHQ6HKHQ6LHGD]XELWWH
$$XQG$3+9
3. Was ist nicht versichert? Was können Sie gegen Zusatzbeitrag versichern?
1LFKWYHUVLFKHUWVLQGGLH*HIDKUHQHLQHV%HUXIV%HWULHEVRGHU*HZHUEHV(QWVFKHLGHQ6LHVLFKIÙUGLH3ULYDW+DIWSƃLFKWYHUVLFKHUXQJ&ODVVLFNÓQQHQ6LHGLHVH5LVLNHQLQEHVWLPPWHP8PIDQJJHJHQ=XVDW]EHLWUDJPLWYHUVLFKHUQ
$PWVXQG9HUPÓJHQVVFKDGHQ+DIWSƃLFKWYHUVLFKHUXQJ
)ÙUYLHOH%HUXIHLPÓIIHQWOLFKHQ'LHQVWNDQQGLH$PWVXQG9HUPÓJHQVVFKDGHQ+DIWSƃLFKWYHUVLFKHUXQJYHUHLQEDUW
ZHUGHQ9HUVLFKHUWVLQGGDQQGLH*HIDKUHQ,KUHV$PWV'LHQVWHVRGHU%HUXIVDOV5LFKWHU%HDPWHU$QJHVWHOOWHU
$UEHLWHURGHU6ROGDW'HU9HUVLFKHUXQJVVFKXW]JLOWVRZRKOIÙU$QVSUÙFKH'ULWWHUDOVDXFKIÙU$QVSUÙFKH,KUHV
'LHQVWKHUUQ'HWDLOVNÓQQHQ6LH$3+9HQWQHKPHQ
=XVÁW]OLFKNÓQQHQGHU9HUOXVWYRQ'LHQVWVFKOÙVVHOQYRQƂVNDOLVFKHP(LJHQWXPXQGGLH'LHQVWIDKU]HXJXQG
5HJUHVVKDIWSƃLFKWYHUVLFKHUWZHUGHQ1ÁKHUHVƂQGHQ6LHXQWHU$3+9
¹EHUGLHYHUVLFKHUEDUHQ%HUXIHJLEW,KQHQXQVHU%HUXIVJUXSSHQYHU]HLFKQLV$XVNXQIW
3ULYDW+DIWSƃLFKW3/863+3/86
¹EHUGHQ=XVDW]EDXVWHLQ3+3/86NÓQQHQ6LHVLFKJHJHQZHLWHUH5LVLNHQDEVLFKHUQ
s(QWJHOWOLFKH%HWUHXXQJYRQ.LQGHUQDOV7DJHVHOWHUQXQG%DE\VLWWHU
s1HEHQEHUXƃLFKH7ÁWLJNHLWHQ(UWHLOXQJYRQ1DFKKLOIHRGHU0XVLNXQWHUULFKWVRZLH$OOHLQXQWHUKDOWHU
s%HWULHEYRQWKHUPLVFKHQXQGSKRWRYROWDLVFKHQ6RODUDQODJHQ:LQGXQG:DVVHUNUDIWDQODJHQVRZLH%ORFNKHL]-
NUDIWZHUNHQ
s)RUGHUXQJVDXVIDOOtEHLVHOEVWHUOLWWHQHQ3HUVRQHQ6DFKRGHUGDUDXVIROJHQGHQ9HUPÓJHQVVFKÁGHQGLHGHU
6FKDGHQVYHUXUVDFKHUQLFKWEHJOHLFKHQNDQQ
s9HUOXVWIUHPGHUSULYDWHKUHQDPWOLFKRGHUEHUXƃLFKJHQXW]WHU6FKOÙVVHO
s9HUPLHWXQJYRQELV]XGUHL:RKQUÁXPHQLQGHUVHOEVWJHQXW]WHQ,PPRELOLH
s9HUPLHWXQJHLQHV5DXPHVDQ)HULHQJÁVWHLQGHUVHOEVWJHQXW]WHQ,PPRELOLH
s9HUPLHWXQJYRQ(LQOLHJHUZRKQXQJ(LJHQWXPVZRKQXQJRGHU*DUDJHLP,QODQGELV]XLQVJHVDPWGUHLGLHVHU
,PPRELOLHQ
s9HUPLHWXQJHLQHV)HULHQKDXVHVRGHUHLQHU)HULHQZRKQXQJLQHLQHP(86WDDWGHU6FKZHL]1RUZHJHQ,VODQG
RGHU/LHFKWHQVWHLQ
'LH0HKUOHLVWXQJHQYRQ3+3/86VLQGXQWHU$3+9GHWDLOOLHUWEHVFKULHEHQ
'HQ9HUVLFKHUXQJVVFKXW]GHU3ULYDW+DIWSƃLFKWYHUVLFKHUXQJ%DVLVNÓQQHQ6LHQLFKWHUZHLWHUQ
4. Was gilt für die Beitragszahlung?
:LHKRFK,KU%HLWUDJLVWNÓQQHQ6LHLP$QWUDJXQGLQ,KUHP9HUVLFKHUXQJVVFKHLQQDFKOHVHQ
=XZHOFKHP=HLWSXQNWGHUHUVWHRGHUHLQPDOLJH%HLWUDJIÁOOLJZLUGKÁQJWGDYRQDEZDQQ,KQHQGHU9HUVLFKHUXQJVVFKHLQ]XJHJDQJHQLVW*HKWHU,KQHQYRU9HUVLFKHUXQJVEHJLQQ]XPÙVVHQ6LHGHQ%HLWUDJXQYHU]ÙJOLFK
QDFK9HUVLFKHUXQJVEHJLQQ]DKOHQ*HKW,KQHQGHU9HUVLFKHUXQJVVFKHLQQDFK9HUVLFKHUXQJVEHJLQQ]XPÙVVHQ6LH
GHQ%HLWUDJXQYHU]ÙJOLFKPLWGHP7DJQDFKGHVVHQ=XJDQJ]DKOHQe8QYHU]ÙJOLFKqEHGHXWHWKLHULQQHUKDOE
YRQ]ZHL:RFKHQ(LQ)ROJHEHLWUDJLVWLQGHP=HLWUDXP]XHQWULFKWHQGHULP9HUVLFKHUXQJVVFKHLQRGHULQGHU
%HLWUDJVUHFKQXQJJHQDQQWLVW
-HQDFK9HUHLQEDUXQJ]DKOHQ6LH,KUHQ%HLWUDJMÁKUOLFKKDOEMÁKUOLFKRGHUYLHUWHOMÁKUOLFK
%H]DKOHQ6LH,KUHQ%HLWUDJXQEHGLQJWLPPHUSÙQNWOLFK6RQVWJHIÁKUGHQ6LH,KUHQ9HUVLFKHUXQJVVFKXW]:HQQ6LH
XQVHLQ6(3$/DVWVFKULIWPDQGDWHUWHLOWKDEHQVRUJHQ6LHELWWHGDIÙUGDVV,KU.RQWRDXVUHLFKHQGJHGHFNWLVW
'LH5HJHOXQJHQ]XU%HLWUDJV]DKOXQJƂQGHQ6LHLQ%3+9'RUWVLQGDXFKGLH)ROJHQEHVFKULHEHQZHQQ
6LHGHQ%HLWUDJQLFKWUHFKW]HLWLJEH]DKOHQ
5. In welchen Fällen haben Sie keinen Versicherungsschutz?
(LQLJH)ÁOOHVLQGYRP9HUVLFKHUXQJVVFKXW]DXVJHQRPPHQ+LHU]XJHKÓUHQEVSZJHJHQ6LHJHULFKWHWH$QVSUÙFKH
YRQ$QJHKÓULJHQGLHPLW,KQHQLQKÁXVOLFKHU*HPHLQVFKDIWOHEHQRGHUGLHPLWYHUVLFKHUWVLQG$XFKYRUVÁW]OLFK
KHUEHLJHIÙKUWH6FKÁGHQVLQGQLFKWYHUVLFKHUW
:HLWHUHZLFKWLJH$XVVFKOÙVVHƂQGHQ6LHLQ$3+9
6. Was müssen Sie bei Vertragsschluss beachten?
%HDQWZRUWHQ6LHXQVHUH)UDJHQLP$QWUDJXQEHGLQJWGHXWOLFKYROOVWÁQGLJXQGZDKUKHLWVJHPÁ¼:LUNÓQQHQXQV
VRQVWJJIYRU]HLWLJYRP9HUWUDJOÓVHQXQG6LHYHUOLHUHQ,KUHQ9HUVLFKHUXQJVVFKXW]'DVNDQQIÙU6LHEHGHXWHQ
GDVV6LHLP9HUVLFKHUXQJVIDOOOHHUDXVJHKHQ0LQGHVWHQVDEHUGÙUIHQZLUGHQ9HUWUDJÁQGHUQXQGGHQ%HLWUDJ
HQWVSUHFKHQGDQSDVVHQ
Achtung::DV6LHEHL9HUWUDJVVFKOXVVJHQDX]XEHDFKWHQKDEHQLVWDXIGHU6HLWHe$Q]HLJHSƃLFKWQDFK
9HUVLFKHUXQJVYHUWUDJVJHVHW]99*qEHVFKULHEHQ'RUWVLQGDXFKGLH5HFKWVIROJHQHUNOÁUWZHQQ6LH,KUH$Q]HLJHSƃLFKWHQYHUOHW]HQ6LHƂQGHQGLHVH6HLWHGLUHNWYRUGHP$QWUDJ
7. Was haben Sie während der Laufzeit des Vertrags zu beachten?
:LUELHWHQ,KQHQLQYLHOHQ)ÁOOHQ9HUVLFKHUXQJVVFKXW]ZHQQVLFKGDVYHUVLFKHUWH5LVLNRQDFK9HUWUDJVVFKOXVV
HUKÓKWRGHUHUZHLWHUW6LHPÙVVHQXQVGLH5LVLNRÁQGHUXQJLQQHUKDOEHLQHV0RQDWVDQ]HLJHQQDFKGHP6LH
XQVHUH$XIIRUGHUXQJGD]XEVSZPLWGHU%HLWUDJVUHFKQXQJHUKDOWHQKDEHQ7XQ6LHGDVQLFKWUHFKW]HLWLJJLOW
:LUNÓQQHQHLQH1DFK]DKOXQJELV]XU+ÓKHGHV%HLWUDJVYHUODQJHQGHQ6LHVHLWGHU¡QGHUXQJGHV5LVLNRVKÁWWHQ
]DKOHQPÙVVHQ
Achtung:6HKHQ6LHELWWHDXFK$$XQG%,KUHU3+9
6LHKDEHQIÙUEHVWLPPWH5LVLNHQGLHQDFK$EVFKOXVVGHV9HUWUDJVQHXKLQ]XJHNRPPHQVLQG9RUVRUJH
9HUVLFKHUXQJVVFKXW]%HLVSLHOH6LHVFKDIIHQVLFKHUVWPDOVHLQ3IHUGDQRGHUNDXIHQVLFKHLQXQEHEDXWHV*UXQGVWÙFN6LHPÙVVHQXQVGDVQHXH5LVLNRDQ]HLJHQ%LWWHWXQ6LHGDVLQQHUKDOEHLQHV0RQDWVQDFKGHP6LHXQVHUH
$XIIRUGHUXQJGD]XEVSZPLWGHU%HLWUDJVUHFKQXQJHUKDOWHQKDEHQ,QIRUPLHUHQ6LHXQVQLFKWUHFKW]HLWLJHQWIÁOOW
GHU9HUVLFKHUXQJVVFKXW]IÙUGDVQHXH5LVLNRUÙFNZLUNHQGDEGHVVHQ(QWVWHKXQJ'DV*OHLFKHJLOWZHQQZLUXQV
QLFKWUHFKW]HLWLJPLW,KQHQÙEHUHLQHQDQJHPHVVHQHQ%HLWUDJIÙUGDVQHXH5LVLNRHLQLJHQ'LH(LQLJXQJPXVV
LQQHUKDOEHLQHV0RQDWVQDFK(LQJDQJ,KUHU$Q]HLJHEHLXQV]XVWDQGHNRPPHQ
Achtung:1ÁKHUHV]XU9RUVRUJH9HUVLFKHUXQJƂQGHQ6LHXQWHU$3+9
Es gibt 2EOLHJHQKHLWHQGLH6LHYRU(LQWULWWHLQHV9HUVLFKHUXQJVIDOOV]XHUIÙOOHQKDEHQ%VSZPÙVVHQ6LH
EHVRQGHUVJHIDKUGURKHQGH8PVWÁQGHLQQHUKDOEHLQHUDQJHPHVVHQHQ)ULVWEHVHLWLJHQZHQQZLUGDVYRQ,KQHQ
YHUODQJHQ:HQQ6LHHLQH2EOLHJHQKHLWPLVVDFKWHQNÓQQHQ6LH,KUHQ9HUVLFKHUXQJVVFKXW]YHUOLHUHQ
Achtung:,KUH2EOLHJHQKHLWHQYRU(LQWULWWGHV9HUVLFKHUXQJVIDOOVNÓQQHQ6LH%3+9HQWQHKPHQ'LH
PÓJOLFKHQ5HFKWVIROJHQEHLHLQHU9HUOHW]XQJYRQ2EOLHJHQKHLWHQƂQGHQ6LHXQWHU%3+9
8. Was müssen Sie bei und nach Eintritt des Versicherungsfalls beachten?
,VWHLQ9HUVLFKHUXQJVIDOOHLQJHWUHWHQPÙVVHQ6LHXQVGLHVHQLQQHUKDOEYRQ]ZHL:RFKHQDQ]HLJHQ6LHPÙVVHQ
XQVDXVIÙKUOLFKHXQGZDKUKHLWVJHPÁ¼H6FKDGHQVEHULFKWHHUVWDWWHQXQGDOOHDQJHIRUGHUWHQ8QWHUODJHQHLQUHLFKHQ$X¼HUGHPPÙVVHQ6LHXQVDOOH8PVWÁQGHPLWWHLOHQGLHQDFKXQVHUHU$QVLFKW]XU%HDUEHLWXQJGHV9HUVLFKHUXQJVIDOOVZLFKWLJVLQG'HQNHQ6LHDXFKDQ,KUH2EOLHJHQKHLWHLQHQ6FKDGHQDE]XZHQGHQE]Z]XPLQGHUQ
VRZHLW,KQHQGDVPÓJOLFKLVW0LVVDFKWHQ6LHHLQH2EOLHJHQKHLWNÓQQHQ6LH,KUHQ9HUVLFKHUXQJVVFKXW]YHUOLHUHQ
Achtung::HOFKH2EOLHJHQKHLWHQ6LHEHLXQGQDFK(LQWULWWGHV9HUVLFKHUXQJVIDOOVJHQDXKDEHQƂQGHQ6LHLQ
%3+9,Q%3+9LVWJHUHJHOWZHOFKH5HFKWVIROJHQEHLHLQHU9HUOHW]XQJYRQ2EOLHJHQKHLWHQ
PÓJOLFKVLQG
:LUHPSIHKOHQ,KQHQGLH5HJXOLHUXQJGHV9HUVLFKHUXQJVIDOOVXQV]XÙEHUODVVHQ.HLQ9HUVLFKHUXQJVVFKXW]
EHVWHKWLQGHP8PIDQJLQGHP6LHPHKUDQHUNHQQHQRGHUEH]DKOHQDOVGHP*HVFKÁGLJWHQQDFK*HVHW]]XVWHKW
6HKHQ6LHKLHU]X%E3+9
9. Wann beginnt und wann endet Ihr Versicherungsschutz?
,KU9HUVLFKHUXQJVVFKXW]EHJLQQWPLWGHP7HUPLQGHULP9HUVLFKHUXQJVVFKHLQIHVWJHOHJWLVW'DVVHW]WYRUDXV
GDVV6LH,KUHQ%HLWUDJUHFKW]HLWLJ]DKOHQ'HU9HUWUDJOÁXIWHLQ-DKU'LH/DXI]HLWYHUOÁQJHUWVLFKMHZHLOVXPHLQ
ZHLWHUHV-DKUZHQQ6LHGHQ9HUWUDJQLFKWVSÁWHVWHQVHLQHQ0RQDWYRU$EODXINÙQGLJHQ:ROOHQZLUNÙQGLJHQ
KDEHQZLUHLQH)ULVWYRQGUHL0RQDWHQHLQ]XKDOWHQ0D¼JHEOLFKLVWMHZHLOVGHU=XJDQJGHU.ÙQGLJXQJ*UÙQGHIÙU
GLH.ÙQGLJXQJPÙVVHQ6LHQLFKWQHQQHQ%HLIULVWJHPÁ¼HU.ÙQGLJXQJHQGHW,KU9HUVLFKHUXQJVVFKXW]]XP$EODXI
GHV9HUVLFKHUXQJVMDKUHV
)ÁOOWGDVYHUVLFKHUWH,QWHUHVVHYROOVWÁQGLJXQGGDXHUKDIWZHJHQGHWGHU9HUWUDJ'DVSDVVLHUWVREDOGZLUYRQGHP
:HJIDOOHUIDKUHQ%HLVSLHOIÙUGLH3ULYDW+DIWSƃLFKWYHUVLFKHUXQJ7RGGHV9HUVLFKHUXQJVQHKPHUV
:HLWHUH,QIRUPDWLRQHQƂQGHQ6LHLQ&&XQG&3+9
10. Welche Möglichkeiten haben Sie, den Vertrag zu beenden?
6LHNÓQQHQGHQ9HUWUDJ]XP$EODXIHLQHVMHGHQ9HUVLFKHUXQJVMDKUHVNÙQGLJHQVLHKHRGHUQDFKHLQHP9HUVLFKHUXQJVIDOO$XFKZLUGÙUIHQGDV
$X¼HUGHPNÓQQHQ6LHVLFKLQGHU5HJHOYRP9HUWUDJOÓVHQZHQQZLUGHQ%HLWUDJHUKÓKHQRGHUGLH9HUVLFKHUXQJVEHGLQJXQJHQDQSDVVHQ
%LWWHEHDFKWHQ6LHGLHMHZHLOLJHQ.ÙQGLJXQJVIULVWHQ1ÁKHUHVƂQGHQ6LHLQ%%&XQG&3+9

Download Report