“We have some kind of accident insurance…” – that's how half the conversations start, and that's exactly how they should start: uncovering what already exists comes before any advice. The review is a quarter-hour, orderly process – by the end you'll know what your policy covers today, and what it should cover. It can end three ways: keep it, adjust it, or switch.
- The review is a stocktake: elements and amounts, plus how current the risk details are, plus tracking down any hidden layers of cover.
- The benchmark isn't today's advertising – it's your situation today: what should be covered?
- The outcome is honest: if the existing policy is good, we keep it – switching is a tool, not a goal.
Step 1: what's in the policy?
We pull out of the document: elements and amounts (death benefit, permanent disability – linear or progressive? – daily benefit, fracture, hospital, surgical), temporal and territorial scope, riders. A common experience: the family believed something different about the policy than what's actually in it – in both directions: sometimes less, sometimes more than expected.
Step 2: are the details up to date?
Keeping the risk group in sync: does the occupation and the sports on file from signing still hold true today – a hobby picked up since, a child signing up with a club, a new job may still be waiting to be reported. Plus the cast of roles: beneficiary, the group of insured people. Outdated data is the policy's most common silent flaw.
Step 3: the hidden layers of cover
The stocktake extends to the non-obvious layers: an accident rider alongside life or home insurance, a bank-card add-on package, workplace group cover, your child's school cover. These are typically modest amounts, but they exist – and you can't size things properly without the full picture: the goal is a map of the layers, with no overlap and no gap.
Step 4: the benchmark – your situation today
We don't measure what we find against the advertising – we measure it against the sizing principles: given today's income, family, and risks, what cover would fit? Closing the gap is our job: for a small gap, an adjustment (raising an amount, adding a rider – typically simple amendments); for a large gap or an outdated structure, switching can come into play – via a competition between insurers, and following the switching rule: the new one first, then the old one.
The honest outcomes
A review isn't a sales funnel – it has three equally valid outcomes. “Everything's fine”: I'll say so – and if you let me know before the anniversary next year, I'll take another look in the annual review round. “It needs adjusting”: I put together the list of amendments, you decide. “A new policy is worth it”: I prove it with the table, not with words. The consultation is free – bring the policy, and we'll talk it through.
A question about your own situation? Run the numbers in minutes with the online calculator (in Hungarian), or book a free 20-minute consultation →
