Occupational disability insurance

Occupational disability insurance provides the policyholder with financial protection if they are no longer able to carry out their profession due to illness, accident or disability.

Your security in the event of occupational disability

Occupational disability insurance - what is it?

Protect your future against unforeseeable risks. A sudden accident or serious illness can bring your career to an abrupt end and lead to considerable financial losses. With occupational disability insurance, you are optimally protected and can rest assured that your livelihood is secure even in the event of occupational disability.

Facts & Figures

0 % of net income is lost without disability cover

One of 0 people statistically become unable to work in the course of their lives

0 % of people in employment in Germany have no occupational disability insurance

Your advantages at a glance

Occupational disability insurance offers your employees financial security if they are no longer able to work for health reasons. Secure the livelihood of your employees.

Livelihood security

Securing the standard of living in the event of occupational disability

Protection against mental illness

Cover also for mental illnesses

No waiting time

Immediate insurance cover without a waiting period

Transitional benefits

Financial assistance during the transition period

FAQ on occupational disability insurance

We have summarized the most frequently asked questions about occupational disability insurance for you in our FAQ. Our experts will also be happy to provide you with individual advice.

Why is occupational disability insurance important?

Occupational disability insurance offers important financial protection, as statutory benefits are often not enough to maintain the standard of living you are used to. It helps to compensate for loss of income and ensure financial stability.

What benefits does occupational disability insurance provide?

The main benefit of occupational disability insurance is the payment of a monthly pension if the policyholder becomes unable to work. The amount of the pension is determined when the contract is concluded.

What is not covered by occupational disability insurance?

As a rule, occupational disability caused by deliberate self-harm, war or civil unrest is not covered. Pre-contractual illnesses may also be excluded if they have not been declared.

What is the difference to disability insurance?

Occupational disability insurance pays out if the insured person can no longer carry out their last occupation. Disability insurance pays out if the insured person is no longer able to pursue gainful employment, regardless of their profession

Employee benefits

The right employee benefits from a single source - our team of pension experts is on hand to help you find suitable benefits packages for your employees and your company that are precisely tailored to your individual needs.