Getting disability insurance in Germany


Getting disability insurance in Germany

Disability insurance, also known as disability income insurance or disability income protection, is designed to provide financial support when you become unable to work due to a disability or illness. It covers various aspects related to your income and financial stability during such a period. Here are

The main things covered by disability insurance:

  1. Income Replacement: Disability insurance replaces a portion of your lost income when you are unable to work due to a covered disability. This typically ranges from 50% to 80% of your pre-disability income, depending on the policy.
  2. Medical Expenses: Some disability insurance policies may include coverage for medical expenses related to your disability, such as doctor’s visits, hospital stays, and rehabilitation.
  3. Rehabilitation: Disability insurance may cover the costs of rehabilitation programs, therapy, and vocational training to help you return to work or transition to a new occupation if possible.
  4. Mortgage or Rent: It can cover your monthly mortgage or rent payments, ensuring that you can continue to meet your housing expenses.
  5. Utilities and Bills: Disability insurance can help you pay your utility bills, including electricity, water, gas, and other essential services.
  6. Debts: It may provide coverage for loan payments, including car loans, credit card debt, and other outstanding debts.
  7. Education Expenses: Some policies offer coverage for education expenses, allowing you to continue your education or gain new skills if your disability necessitates a career change.
  8. Childcare Expenses: Disability insurance may cover the cost of childcare or home care services if you are unable to care for your dependents due to a disability.
  9. Retirement Contributions: Some policies allow you to continue making contributions to your retirement accounts while you are disabled.
  10. Partial Disability: Disability insurance policies often provide coverage for partial disabilities, where you can still work but at a reduced capacity, and they compensate you for the lost income.
  11. Survivor Benefits: In the event of your death during a disability, some policies provide survivor benefits to your beneficiaries.

Berufsunfähigkeitsversicherung in Germany

Getting disability insurance in Germany, also known as disability income insurance or Berufsunfähigkeitsversicherung in Germany, is an important step to financially protect yourself in case you become unable to work due to illness or disability. Here are the steps to obtain disability insurance in Germany:

  1. Assess Your Needs:
    • Determine your financial needs and obligations in the event of a disability. Consider factors such as your monthly expenses, outstanding debts, and how much income replacement you would require.
  2. Research Providers:
    • Research various insurance providers in Germany that offer disability insurance policies. Look for reputable insurance companies with a track record of providing reliable coverage and good customer service. You can use online resources, visit insurance company websites, or consult with an insurance broker for information.

Insurance providers that offer disability insurance in Germany

In Germany, you can find several insurance providers that offer disability insurance, known as Berufsunfähigkeitsversicherung. Here are some well-known insurance companies that provide disability insurance coverage:

  1. Allianz (www.allianz.de)
  2. HDI (www.hdi.de)
  3. Ergo (www.ergo.de)
  4. AXA (www.axa.de)
  5. Zurich (www.zurich.de)
  6. Generali (www.generali.de)
  7. Debeka (www.debeka.de)
  8. Nürnberger Versicherung (www.nuernberger.de)
  9. AachenMünchener (www.aachenmuenchener.de) – part of Generali
  10. Signal Iduna (www.signal-iduna.de)
  11. CosmosDirekt (www.cosmosdirekt.de)
  12. R+V Versicherung (www.ruv.de)

You can visit the websites of these companies, contact them directly to request quotes, and gather more information about their life insurance policies.


  1. Choose the Type of Disability Insurance:
    • Disability insurance policies can vary in terms of coverage and features. Common types include basic disability insurance and comprehensive disability insurance. Choose the type that best suits your needs and budget.
  2. Obtain Quotes:
    • Contact the insurance providers you’re interested in and request quotes for disability insurance. Provide them with the necessary personal information, such as your age, occupation, health status, and the level of coverage you desire.
  3. Undergo Medical Examination (if required):
    • Depending on the insurance provider and the type of disability insurance, you may need to undergo a medical examination or provide medical records. This helps the insurer assess your health and determine your eligibility for coverage.
  4. Complete the Application:
    • Fill out the application form provided by the insurance company. Ensure that you provide accurate and truthful information on the application to avoid complications with your coverage or claims.
  5. Review and Sign the Policy:
    • Carefully review the terms and conditions of the disability insurance policy, including coverage limits, waiting periods, premiums, and any exclusions. Once you’re satisfied, sign the policy contract.
  6. Pay insurance Premiums:
    • Pay the required premiums as specified in the policy contract. Premiums can typically be paid on a monthly or annual basis, depending on your preference.
  7. Receive Policy Documents:
    • After your application is approved and the premiums are paid, you will receive policy documents confirming your disability insurance coverage. Keep these documents in a safe place and make sure you understand the policy terms and conditions.
  8. Periodic Review the policy:
    • Periodically review your disability insurance coverage to ensure it still meets your needs. As your circumstances change, you may need to adjust your coverage or policy.

It’s important to shop around, compare quotes, and carefully consider the terms of disability insurance policies to choose the one that best suits your needs and budget. Consulting with an insurance agent or broker can be beneficial, as they can provide personalized guidance and help you navigate the process. Disability insurance is an important financial tool for protecting your income and financial security in the event of a disability, so it’s important to make an informed decision.

Moreover, consider using insurance comparison websites or consulting with an insurance broker who can help you navigate the options and find the best disability insurance policy tailored to your specific needs and financial situation. Remember that the choice of provider and policy should align with your individual circumstances and preferences.

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