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Occupational disability insurance

If you become permanently unable to work in your occupation for health reasons, you lose your income. Statutory protection is often insufficient. Occupational disability insurance (Berufsunfähigkeitsversicherung) then pays a monthly benefit.

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.

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