Quality Disability
Insurance 2025
Quality disability insurance with up to 80% coverage. Professional income protection. Geprüft quality.
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.