To have good health is the most important possession in life.  Money can buy almost anything but it cannot buy good health.  For some families poor health is hereditary and through genetics poor health can often be passed on from one generation to another.  For these families it is essential to take out disability insurance (Berufsunfähigkeitsversicherung) as very often some member of the family will become disabled and unable to work.  Families who have suffered from poor health because of genetics will be regularly monitored at the hospital and given the best treatment to prevent the illness occurring.  However, some times a cure is hard to find and for this reason many people will take out invalidity (Dienstunfähigkeit) insurance to make sure they can meet costs should disabilities set in and they are unable to work.  Having good health is everything as without it people are unable to enjoy life to the full and often spend long periods of time in and out of hospital.

Because poor health can be passed on through genetics in families, much research is done to try and prevent this from happening.  Whole families might suffer from heart disease and often die before they even reach forty.  Today these families are advised to keep to a certain low fat diet and take plenty of exercise. Regular visits to the hospital will be recommended where an ECG which monitors the heart will be taken.  All these precautions have helped to cut down on people having a heart attack at a very early age.  Many people suffer strokes and other life threatening conditions such as lung cancer which might have been caused from smoking. Families that have seen their relations die because of the effects of smoking will know only too well the consequences if they themselves continue to smoke.  Health is very much down to genetics and by taking out disability insurance, gives peace of mind to anyone who feels they could be at risk.  People worry about how they will be able to support a family should the worse happen and their disabilities make them unable to work. A lot of disabilities in a family might be caused through being too overweight.  Obesity tends to run in a family and this causes a huge strain on the body.  It means that the heart has to work harder and being obese means someone will get very little exercise. The doctor will recommend a low fat diet to help them to lose weight and advice will be given making people aware of how being too overweight can have a detrimental effect on their health.

Many things can cause poor health and a lot of the time it is the lifestyle that people choose to lead.  But for many, they are be born with poor health, so the need for invalidity insurance is essential. This will help to make alterations to their home, such as a larger bathroom, kitchen units that are adapted to meet the needs of the disabled and a stair lift should this be necessary.  Very often by making a few adjustments to the house someone who is disabled and confined to a wheelchair, will be able to keep their independence for longer without needing additional care.