PrämienheldStart an insurance review with changes in your life, then examine benefits, premiums and deadlines. An overview of existing policies helps identify questions and possible overlap worth checking.
What has changed since your last review?
Record a move, new household members, family changes, a different vehicle or a change at work. Major purchases and future plans may also raise new questions. The list does not need to be perfect; it should give the conversation a clear starting point.
Give each policy a single line
Record the insurance area, provider, premium, main benefits, excess and deadlines. Add the question you want answered beside each entry. This prevents a price comparison from obscuring significant differences in cover.
| Policy overview | What to record |
|---|---|
| Contract | Insurance area, provider, policy number |
| Benefits | Main cover and open questions |
| Costs | Premium, excess and additional costs |
| Next step | Deadline, contact person, question to resolve |
Discuss possible overlap precisely
If two contracts sound similar, ask which risks and people they actually cover. Apparent overlap is a reason to investigate, not an automatic reason to cancel. Record what would disappear or be added after a change.
Finish with a short decision list
Sort the outcome into three groups: keep unchanged, clarify questions and compare quotations. For each open point, record the next step and contact person. The result is a usable plan rather than a collection of documents.
Your conversation checklist
Tick off what you have prepared. This checklist stays in this page and is not submitted.
Prepared by the Prämienheld editorial team as general orientation. An individual offer and the applicable policy conditions determine actual cover.
This organisational checklist is Prämienheld’s editorial framework for preparing a review; it does not make claims about a particular insurer’s benefits.
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