Private disability insurance in Germany

Permanent disability insurance coverage is very important since it pays a monthly pension until retirement, if a person cannot work anymore based on any kind of disease, accident, or psychological illness. It is important in Germany for foreigners because the public disability insurance has a waiting period of five years before you are entitled to benefits. Around 350,000 people annually apply to receive a pension from the German public disability insurance program. The average monthly pension paid by the government for full disability is 917 € and for partly disabled 524 €.

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• What should good occupational disability insurance in Germany contain?
• What are the risks insurers check for in disability insurance?
• Which provisions, at least, must be included in permanent disability insurance in Germany?

Based on these facts, Sicher Sicher recommends having private disability insurance to cover the monthly expenses for living. As a self-employed person or individual who is not eligible to pay into the German public pension insurance, in case of the insurance event they have no protection at all. Private disability insurance covers the first day of the contract worldwide. To get coverage for disability insurance, applicant should be ideally healthy because existing diseases can lead to objections or higher fees from the insurer.

Sicher Sicher guides clients through the whole health check process, which may can take some time and further steps. It is legally important that all questions are honestly answered so clients will not lose coverage in case of a claim. If some health risks appear, we negotiate with the insurer if these medical conditions can be included for a higher fee or exclude all claims based on that medical condition to gain coverage for all other risks.

Request for a private disability insurance offer

Start of insurance coverage *

Monthly pension amount in case of permanent disability? *

Please set the amount not exceeding your current income.

What is your current occupation? *

Students or Apprentices please indicate the expected degree.

At what age do you want to retire? *6061626364656667

Occupational disability insurance protects your livelihood and financial situation. We recommend getting coverage for as long as you need to work. The best option is to take out insurance until you plan to retire. 

Do you smoke? *

• Yes
• No

Do you have any chronic illness that requires you to take medication on a regular basis or undergo medical treatment? *

• Yes
• No

If yes, please fill out the field below.

Please note the diseases, diagnosis, treatment, medication frequency, and dosis.

Is there anything else we should have asked or mentioned?

We will offer as much personalization as the market product permits, so please let us know if there are additional features or points you consider important to you.

First name (policyholder) *

Last name (policyholder) *

Courtesy title

• Mr.
• Mrs.

Birthdate of policyholder *

Address *

Adresse Zeile 1

Ort

Region

Postleitzahl

E-Mail *

Telephone number *

Data use agreement and permission *

• I permit that the Sicher Sicher GmbH can store my transmitted information so that my request can be answered.

Please take note of our privacy policy via https://sichersicher.eu/datenschutz/. In our privacy policy it is explained in which cases you have the right to revoke your consent regarding the use of your data. By submitting this form, you consent to the use and store of your data described in our privacy policy.

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Sicher Sicher works closely in the interest of our clients, insurance underwriters, to get the best suitable solution for disability insurance.

What should good occupational disability insurance in Germany contain?

The path to good insurance coverage is often difficult. There are many providers with a lot of tariffs to compare. To make it easier for our clients, Sicher Sicher systematically compares the most suitable and economically viable offers so that clients are able to make a decision based on clear data.

What are the risks insurers check for in disability insurance?

• Current and past health conditions (up to 10 years ago)
• Profession
• Hobbies and dangerous activities or travels
Even if some medical conditions, professions, hobbies, or dangerous travel habits exist, there are options for clients of Sicher Sicher to gain coverage.

In our opinion, permanent disability insurance in Germany must contain at least the following provisions:

• The pension is paid if the insured person is no longer able to work at least 50 percent of the time in the job they last practiced when they were healthy due to illness, physical injury, or more than age-appropriate loss of strength. This also accounts for changing careers.
  • Example 1: If a client is trained as a locksmith but now works as an IT expert, the work as an IT expert is the basis of the decision. It is not a matter if clients are capable of carrying out other job activities with their knowledge and skills (that is, the so-called “abstract waiver of referral clause”).
  • Example 2: It is not examined whether a surgeon could still work well as a butcher if his hand is handicapped based on a nerve disease.
• Occupational disability has been paid to the client if it is expected that for a period of at least 6 months, the client’s work capability is just 50 percent. (Medical Sick Leave Certificate)
• The pension is also paid retroactively from the first day of the six-month period if the certificate or six-month continuous sick leave based on the same diagnosis is reached. The disability pension will be backdated for at least three years.
• While a disability claim is being processed, the insurance fee is waived.
• The insurer waives the right to terminate the contract or increase the premiums if, later, it turns out that the insured person did not declare previous illnesses based on a medical survey to validate a disability claim.
• The contract applies worldwide.
• With temporary recognition, the insurer does not demand the repayment of pensions that have already been granted if it turns out that the disability claim was not justified.

To learn about lawyer/legal expenses insurance in case of a legal dispute in the insurance event.