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Occupational disability insurance

Why occupational disability insurance is important If you rely on your income from work, you should protect your ability to work. Because illness or an accident can leave you unable to work – and your statutory disability pension is usually not enough to maintain your standard of living.
Occupational disability insurance closes this gap: It pays you a fixed monthly pension in the event of an emergency, thus offering the best protection for your income.

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FAQ: Everything you need to know about occupational disability insurance

Who needs occupational disability insurance?

Essentially, anyone who would be without income in an emergency. Occupational disability insurance is especially important for those just starting their careers, who often aren't yet eligible for statutory disability pensions. Schoolchildren, trainees, students, and homemakers should also consider insurance – because occupational disability can affect anyone, regardless of age or occupation.

Sum insured – how much disability pension makes sense?

Occupational disability insurance is designed to close the income gap that arises when you can no longer work due to illness or accident. You can find out how much your statutory disability pension would be in an emergency from your pension information.

Example:
Sina S. earns €2,200 net per month. In the event of incapacity to work, she would receive a statutory pension of approximately €1,200. To maintain her standard of living, she takes out disability insurance with a monthly benefit of €1,000 to cover the gap.

Health questions – what you need to pay attention to

Before you take out occupational disability insurance, the insurer will ask you detailed questions about your health. You must answer these questions completely and truthfully – only then will you be entitled to the agreed disability pension in the event of a claim.

Important:
If you conceal previous illnesses or treatments, the insurer may refuse payment. Example:: If you become unable to work due to a cardiovascular disease but have not reported previous doctor visits, this may jeopardize your insurance coverage.

Costs – how much does BU insurance cost?

The amount of your premium depends on several factors: the desired disability pension, your age, health status, occupation, and the contract term. Low risk—e.g., for office work—usually means lower premiums.

Example:
A 30-year-old clerk can secure a disability pension of €1,000 for as little as €25 a month.

Would you like more example calculations for other professional groups?

Finding the right BU – here’s how

Occupational disability insurance is one of the most important forms of protection in your professional life. This makes it all the more important to choose a suitable and affordable plan. Even with similar coverage, premiums can vary by up to 50% depending on the provider and professional group.

Our tip:
We compare the offers on the market for you and find an occupational disability insurance policy that offers strong benefits and a fair price.

Occupational disability insurance

Occupational disability insurance

Companies

FAQ: Everything you need to know about occupational disability insurance

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