What matters
- Monthly benefitIt should cover your regular expenses.
- Taking out cover earlyYounger, healthy people are more readily accepted and usually pay less.
- Policy conditionsKey points include a waiver of the right to refuse benefits because you could theoretically work in another suitable occupation (Verzicht auf abstrakte Verweisung) and the option to increase your cover later.
- AlternativesIf occupational disability insurance (BU) is not an option, work incapacity insurance (Erwerbsunfähigkeitsversicherung), basic abilities insurance (Grundfähigkeitsversicherung) or critical illness cover (Dread-Disease-Versicherung) may be suitable.
Who is this suitable for?
For anyone who relies on their earnings, especially people starting their careers and families.



Accident insurance
Term life insurance
Daily sickness allowance