🏆 2025 EXCLUSIVE Quality

Elite Disability
Insurance 2025

Premium disability insurance with up to 80% coverage. Elite income protection for professionals. VIP EXCLUSIVE quality.

Elite Income Protection
Up to 80% Coverage
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Disability Insurance Calculator - Get Your Quote

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Why You Need Disability Insurance in Germany

🛡️ Income Protection

  • Monthly payments: Up to 80% of net income
  • Coverage duration: Until retirement age
  • No waiting period: Immediate coverage
  • Inflation protection: Annual adjustments available

⚠️ The Risk

  • 1 in 4: People become disabled before retirement
  • State support: Often insufficient (€300-900/month)
  • Main causes: Mental illness, back problems, cancer
  • Financial impact: Loss of lifestyle and savings

💡 Professional Advice:

Disability insurance is complex and highly individual. Factors like your profession, health history, and income all affect coverage and premiums. We recommend consulting with our certified insurance advisors to find the optimal protection for your situation.

Typical Monthly Premiums (2025)

Office worker, age 30, €3,000 income

€1,500 monthly benefit

€45-80

per month

Skilled tradesperson, age 35, €4,000 income

€2,000 monthly benefit

€120-200

per month

Executive, age 40, €6,000 income

€3,000 monthly benefit

€180-350

per month

Frequently Asked Questions

What counts as occupational disability?

If you cannot perform your current profession for at least 6 months due to illness or accident, and your working capacity is reduced by at least 50%.

When should I get disability insurance?

As early as possible, ideally in your 20s. Premiums increase with age and health risks. Many insurers offer student rates for university students.

Do I need medical exams?

Usually yes, depending on your age and desired coverage amount. This includes health questionnaires and sometimes medical examinations or blood tests.