alwaysThe right Lineup

To be successful as a coach of a team, you need the right strategy and a top team on the field. A foundation that offers security, trust and continuity. Professional footballers expect the same in terms of financial and investment advice. What is important here is a perfectly elaborated concept that combines investments and protection in a balanced way and takes into account that the special challenges of a professional athlete often also require special measures. Due to its business partners in professional sport, FINGES has the expertise in this area and can help and support in various situations. We know which problems and contexts of the financial and insurance world arise for a professional athlete. We also know the opportunities as well as the challenges. Our experience from the two worlds of professional sport and financial advice help to find the optimal solution.

show more
Nahaufnahme auf die Figuren eines Tischkickers

at  JeopardyPermanent Total Disability

As a professional athlete, your job and your health cannot be measured by normal standards.

Even a minor injury can mean a complete career break for you. What sounds harmless, namely to be “unable to practice sports”, has serious and far-reaching consequences for you: Your regular income –  and thus your standard of living – is at stake here.

We talked to former soccer pro Patrick Kirsch (i.a. Preußen Münster, SV Sandhausen, Wacker Burghausen, Wehen Wiesbaden) whose life took an unexpected turn overnight due to what seemed at first glance a minor sports injury. We wanted to know what he is doing now and what he thinks as someone who has been affected by a permanent total disability himself. We wanted to know how well he was financially prepared  for this long time injury and his subsequent invalidity and what he would maybe do differently now. His answers you’ll find in the following interview which he allowed FINGES to show on this website.

show more

What happened?

A press hit against the ball with an opponent during my time at Preußen Münster was the trigger for an irreversible knee injury. An unspectacular accident during a training unit.

show more

Were you prepared for a situation like this? Were you properly secured?

Thank god I had a private health insurance (DKV). They really did not let me down. Thanks to the right daily sickness allowance, the financial gap which occurs as a natural consequence to such an injury could be filled immediately. For the time being I was financially save. It’s crazy how all of a sudden something like a minor accident can turn your life around from one second to the other. It’s so important to take precautions in advance, i.e. the right insurances – even if at first glance this might seem quite costly.

show more

Patrick, I thank you for your open and honest words and your insights.

Of course. From today’s point of view, I think you cannot tackle this topic early enough. If any of your players has any questions, I will be happy to give tips that would have helped me in my own situation. I wish you success.

show more
Schaubild Berechnung der monatlichen Finanzlücken bei Sportinvailidität im Profisport

The example shows the financial situation of a soccer professional, who has € 7,000 gross per month, is covered by general health insurance and does not receive any external daily sickness benefit.

The consequences of an accident during a training session or during a match as well as becoming ill can be a hard hit for a professional soccer player. 

The club only continues to pay the salary for the first 42 sick days.

Do you not get 90% of the net salary or 70 % of your gross salary?

If it is not a “BG case”, you get paid up to 70 % of your gross salary, but only up to a statutory maximum rate of the general health insurance, which is currently at a gross salary of € 4,425 (as of 2018). If there is an injury / illness, then up to a maximum of € 2,714 per month / € 90 per day will be paid (as of 2018).

 

  • And what happens after these 42 days?

    While you get paid 65 % of your gross income in case of an illness, you will get 70 % of your gross salary if you are suffering from an injury caused by an accident from the 43rd day on. In this case the Employers’ Liability Insurance Association (BG) also participates in the payments.

  • Do the health insurance payments go on forever? 

    No. At the latest after 78 weeks a classification of the state of health has to take place. Once you are classified as a sports invalid, the subsidies from the health insurance and/or the BG will stop. At this point your career as a professional athlete is officially over.

  • What can I do?

    At FINGES we take a close look at your current situation to find the best solution to protect you from a financial downfall in case of an injury – before anything happens. And in case of emergency we will ensure that the insurance payments arrive as quickly and comfortably as possible.

    Make An APPOINTMENT

ProfessionalSports Insurance

Minimize the financial risk that can be caused by an accident or sports injury! Our sports disability insurance is tailored to the needs of professional athlete and offers convincingly first-class conditions:

  • Securing the activity as a professional athlete by accident and / or illness and accidental death.
  • Protection even without accidental death or only as a daily allowance until the 1095th day of sickness possible.
  • Waiver of referral, that is: no other occupational activity that is pursued after the classification of invalidity is affecting the one-time payment and no other occupations and skills will be taken into account.
  • One-off payment – no monthly pension which may be waived!

Additional advantages:

  • Worldwide insurance coverage
  • No unexpected clauses/conditions
  • Annual survey of the sum insured to exclude over- or under-insurance.
  • Option to insure the 5-fold annual income; Max. EUR 20,000,000.
  • Insurance policy can be issued in German or English.

Special Feature:

Our product suppliers do not need an address or bank account in Germany. You can live and work within the European Union or Switzerland; the insurance cover is valid worldwide.

 

 

 

show more
Ein Kalenderblatt, in dem verschiedene Daten grün markiert wurden

Get your individual Calculation

We will develop an individual concept and calculate the ideal offer for you.
make an appointment

NewsFrom the Bundesliga

  • Das sind die Trainer der Bundesligisten 2022/23
    Vor der Bundesliga-Saison 2022/23 drehte sich das Trainerkarussell mächtig - einige neue Gesichter werden auf den Trainerbänken sitzen. Eine Übersicht - samt Vertragslaufzeiten ...
    Read Article
  • Nach "vielen positiven Momenten": Hoffenheim verkündet Trennung von Breitenreiter
    André Breitenreiter ist nicht mehr Trainer der TSG Hoffenheim. Das haben die Kraichgauer nun auch offiziell bestätigt.
    Read Article
  • Stages Nicht-Aufgeben-Attitüde: "Er jammert nicht rum"
    Zwei besondere Ereignisse innerhalb weniger Tage: Nachdem Jens Stage unter der Woche erstmals Vater wurde, erzielte er am Sonntagabend seinen ersten Bundesliga-Treffer für den SV Werder Bremen. Auch weil er sich nach zwischenzeitlicher Geduldsprobe "nicht fallen" ließ.
    Read Article
  • Zufällig ein Volltreffer: Wie Arne Engels auch den FCA überrascht
    Arne Engels (19) ist bislang die Entdeckung beim FC Augsburg. Was den jungen Belgier so stark macht - und wie er überhaupt in der Bundesliga landen konnte.
    Read Article
  • Chabot? Keller: "Ein deutlich beweglicherer Kühlschrank"
    Im neuen Kalenderjahr besticht der 1. FC Köln durch seine extrem stabile Defensive. An dieser hat auch der klare Formanstieg von Julian "Jeff" Chabot seinen Anteil. Geschäftsführer Christian Keller sieht den Fitness-Aspekt als entscheidenden Faktor.
    Read Article
  • Müller holt Müller ein: Bayerns Feldspieler mit den meisten Einsätzen
    Thomas Müller hat am 19. Spieltag der Saison 2022/23 sein 427. Bundesligaspiel absolviert und ist damit mit dem bisherigen Rekordmann Gerd Müller gleichgezogen. Das sind die 15 Feldspieler mit den meisten Spielen im Oberhaus für den FC Bayern.
    Read Article
  • Bochum und BVB im Dreierpack - Dreimal die 1,5: Die kicker-Elf des 19. Spieltags
    Am 19. Spieltag überzeugten die Revierklubs aus Bochum und Dortmund, die sich am Mittwoch im Pokal treffen. Drei Profis glänzten am meisten. Die kicker-Elf des 19. Spieltags in Bildern ...
    Read Article
  • "Es tut mir leid": Kovac umarmt Lacroix und begründet seine Auswechslung
    Nach der 2:4-Niederlage gegen den FC Bayern München erklärt Wolfsburg-Coach Niko Kovac auch die frühe Auswechslung von Maxence Lacroix.
    Read Article
  • "Darf so nie passieren": Was Schäfer gegen Bayern ärgerte
    Der VfL Wolfsburg hat gegen den FC Bayern eigentlich ein starkes Heimspiel hingelegt, ging aber dennoch als Verlierer vom Platz. Entscheidend war dabei vor allem das vierte Gegentor.
    Read Article