jövedelembiztosítása

Jövedelembiztosítás, also known as income protection insurance, is a type of insurance policy designed to provide financial support to individuals who are unable to work due to illness or injury. This coverage aims to replace a portion of the insured person's lost income, helping them meet their financial obligations during their recovery period.

The primary purpose of jövedelembiztosítás is to safeguard an individual's financial stability when their earning capacity is temporarily or permanently compromised. It can cover essential living expenses such as mortgage payments, rent, utilities, food, and other daily costs. The benefit amount is typically a percentage of the insured's pre-disability income, and the duration of the benefit period can vary depending on the policy terms.

There are generally two main types of income protection: short-term and long-term. Short-term policies provide benefits for a limited period, often up to a year, while long-term policies can offer coverage until retirement age or for a specified number of years. The specifics of eligibility, coverage, and exclusions are detailed in the insurance policy contract. Premiums are usually calculated based on factors like age, occupation, health status, and the level of coverage chosen. Jövedelembiztosítás is a crucial financial planning tool for individuals seeking to protect themselves and their families from the financial impact of unforeseen health issues.