Occupational DisabilityInsurance Compare
Protect your most valuable asset - your ability to earn income.Germany's most comprehensive disability insurance comparison.
Key German Terms
Tip for Newcomers
Berufsunfähigkeitsversicherung (BU) is one of the most important insurances in Germany. Unlike many countries, Germany's state disability benefits are very limited. If you become unable to work, your BU insurance provides a monthly pension to maintain your lifestyle. Start young for lower premiums!
Disability Insurance Calculator
Find the optimal occupational disability protection for your needs
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Why Occupational Disability Insurance?
Your earning capacity is your most valuable asset
High Risk
Every 4th employee becomes disabled before retirement
Income Protection
Secure 75-80% of your net income
Government Gap
Statutory disability benefits are usually insufficient
Family Protection
Protect your family from financial hardship
Flexible Benefits
Future increases and premium waiver options
Early Start
The younger you are, the lower the premiums
Compare Top Disability Insurance Providers
Germany's leading occupational disability insurers overview
Allianz
AXA
HDI
Nürnberger
| Insurer | Rating | Coverage | Benefits | Service | Action |
|---|---|---|---|---|---|
Allianz Premium Provider | High Protection | Flexible Benefits | 24/7 Support | ||
AXA Strong Performance | Comprehensive | Future Increase | Online Service | ||
HDI Competent | Full Protection | Premium Waiver | Personal Care | ||
Nürnberger Cost-Effective | Basic Protection | Flexible Terms | Digital Processing |
Frequently Asked Questions
Important information about occupational disability insurance
Protect Your Earning Capacity Today
Free comparison of the best occupational disability insurance policies