Key legal question
Whether invalidity insurance must cover additional costs of the private vocational training chosen by the insured.
Extracted holding
No. The insured did not prove that, without disability, she would manifestly have followed a cheaper form of training or that the private course caused additional disability-related costs compared with a comparable training path.
Extracted reasoning
Under Art. 16 LAI and Art. 5(3) RAI, coverage requires proof of materially higher disability-related costs. A merely possible cheaper alternative is insufficient; strict proof is needed that the insured would manifestly have chosen a less expensive training absent disability.