Professional disability insurance for profession groups 1 - 4

Your career or occupation cannot be measured by normal standards. As a freelance or a self-employed individual, just the loss of your voice may lead to a considerable loss of income. Your steady income – and therefore your standard of living – is at risk.

We have recognised this risk and created an insurance package to minimise it.

Online Calculation & Application

We offer customisable, first-class conditions.

  • Cover for Accident & Illness Loss of Sight, Limb, Speech or Hearing and/or Accident & Illness Permanent Total Disablement.
  • Cover is also available with accidental death or daily benefits.
  • Potential coverage until the age of 67. The contract is renewed from year to year and can be adjusted from both sides due to the main renewal date.
  • We have waived the option of requesting that you seek other work. This means that you can work in any other occupation after losing your profession without this affecting your entitlement to the one-off lump-sum payment.
  • One-off lump-sum payment – no risk of your monthly annuity being cut or stopped.
  • Same premiums for men and women. As a risk premium that is fixed in each age-dependent.

In addition, the following benefits apply:

  • Insurance coverage world-wide.
  • Extended war risk clause (deployment of German armed forces, police or UN).
  • Customer-friendly application questions.
  • No surprise clauses.
  • Annual query of the sum insured and medical conditions to avoid over- or under-insurance.
  • No "doctor's orders clause".
  • Sum insured of up to five times your annual income, maximum EUR 12,500,000.
  • The policy can be issued in the German or English language.
  • You can contribute annually, semi-, quarterly or monthly pay. For the latter, however, with a Rate surcharge.

Please note:

Our product provider does not need a German address or bank account. You can live and work in the European Union, the insurance coverage is provided worldwide.

Which professions are insurable?

For the sake of readability is no need to use female forms of speech. All references to persons apply to persons of both sexes.