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Occupational disability insurance (Berufsunfähigkeitsversicherung) in Germany: every tariff, every wording
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| Provider and tariff | Abstract referral | Sick leave clause | Care clause | Guaranteed increase | Retroactive payment | Temporary acceptance |
|---|---|---|---|---|---|---|
| Canada LifeBerufsunfähigkeitsversicherungTake out | none§ 3 Abs. 2, page 6 | yesAnlage 2 § 1 Abs. 2, page 28 | yes§ 4 Abs. 1, page 8 | yes§ 19 Abs. 1, page 16 | yes§ 27 Abs. 1, page 21 | yes§ 27 Abs. 9, page 22 |
| ContinentalePremiumBUTake out | noneI B 1.3, page 6 | yesIV 1, page 23 | yesI B 1.6, page 7 | yesI H 2.1, page 17 | yesI B 2.2, page 9 | yesI D 2, page 12 |
| ContinentalePremiumBU für BeamteTake out | noneI B 1.3, page 7 | not addressed | yesI B 1.6, page 7 | yesI H 2.1, page 18 | yesI B 2.2, page 9 | yesI D 2, page 13 |
| ContinentalePremiumBU StartTake out | noneI B 1.3, page 8 | yesIV 1, page 25 | yesI B 1.6, page 8 | yesI H 2.1, page 18 | yesI B 2.2, page 10 | yesI D 2, page 13 |
| CosmosDirektBerufsunfähigkeitsversicherungTake out | none§ 2 Abs. 3, page 2 | not addressed | yes§ 2 Abs. 8, page 3 | yes§ 18 Abs. 1, page 8 | yes§ 1 Abs. 3, page 2 | none§ 11 Abs. 4, page 7 |
| CosmosDirektPremium-SchutzTake out | none§ 2 Abs. 3, page 2 | not addressed | yes§ 1 Abs. 2, page 1 | yes§ 18 Abs. 1, page 8 | yes§ 1 Abs. 3, page 2 | none§ 11 Abs. 4, page 7 |
| DEVKBerufsunfähigkeitsversicherungTake out | none§ 3 Abs. 1, page 9 | not addressed | yes§ 3 Abs. 5, page 9 | yes§ 27 Abs. 1, page 22 | yes§ 1 Abs. 3, page 8 | yes§ 11 Abs. 3, page 17 |
| DEVKmit Leistungen bei ArbeitsunfähigkeitTake out | none§ 3 Abs. 1, page 31 | yesTeil 2 § 2, page 48 | yes§ 3 Abs. 5, page 32 | yes§ 27 Abs. 1, page 44 | yes§ 1 Abs. 3, page 30 | yes§ 11 Abs. 3, page 39 |
| DialogSBU-professionalTake out | none§ 5 Abs. 1, page 3 | yes§ 8 Abs. 1, page 8 | yes§ 5 Abs. 16, page 5 | yes§ 11, page 10 | yes§ 30, page 16 | none§ 33, page 17 |
| DialogSBU-solutionTake out | none§ 5 Abs. 1, page 3 | yes§ 8 Abs. 1, page 8 | yes§ 5 Abs. 16, page 5 | yes§ 11, page 10 | yes§ 30, page 16 | none§ 33, page 17 |
| die BayerischeBU PROTECTTake out | none§ 2 Abs. 1, page 5 | yes§ 6 Abs. 1 a, page 9 | yes§ 1 Abs. 2, page 4 | yes§ 32 Abs. 1, page 22 | yes§ 1 Abs. 1, page 4 | yes§ 20 Abs. 2, page 17 |
| GothaerPremium BUTake out | none§ 2 I Abs. 1, page 8 | yes§ 3 Abs. 2, page 14 | yes§ 1 I Abs. 2, page 4 | yes§ 17 II Abs. 1, page 31 | yes§ 2 I Abs. 9, page 10 | yes§ 10 Abs. 3, page 24 |
| HUK-COBURGSBU ClassicTake out | none§ 2 Abs. 12, page 5 | yes§ 1 Abs. 5 b, page 2 | not addressed | yes§ 12 Abs. 1, page 11 | no§ 1 Abs. 3, page 1 | none§ 9 Abs. 2, page 10 |
| HUK-COBURGSBU PremiumTake out | none§ 2 Abs. 12, page 5 | yes§ 1 Abs. 5 b, page 2 | yes§ 2 Abs. 4, page 4 | yes§ 12 Abs. 1, page 11 | yes§ 1 Abs. 3, page 1 | none§ 9 Abs. 2, page 10 |
| HUK-COBURGSBU Premium PlusTake out | none§ 2 Abs. 12, page 5 | yes§ 1 Abs. 5 b, page 2 | yes§ 2 Abs. 4, page 4 | yes§ 12 Abs. 1, page 11 | yes§ 1 Abs. 3, page 1 | none§ 9 Abs. 2, page 10 |
| LV 1871BerufsunfähigkeitsversicherungTake out | none§ 2 Abs. 1 a, page 4 | yesBesondere Bedingungen Arbeitsunfähigkeit, page 26 | yes§ 2 Abs. 9 a, page 6 | yes§ 7, page 10 | yes§ 27 Abs. 1, page 22 | yes§ 28 Abs. 4, page 24 |
| LVMLVM-BU-RenteTake out | none§ 2 Abs. 1, page 3 | not addressed | yes§ 1 Abs. 2, page 1 | yes§ 1 Abs. 8, page 1 | yes§ 1 Abs. 3, page 1 | none§ 5 Abs. 2, page 4 |
| SIGNAL IDUNASI WorkLife EXKLUSIVTake out | none§ 2 Abs. 1, page 2 | not addressed | yes§ 2 Abs. 10, page 3 | yes§ 3 Abs. 2, page 4 | yes§ 1 Abs. 2, page 2 | yes§ 10 Abs. 2, page 9 |
| SIGNAL IDUNASI WorkLife EXKLUSIV-PLUSTake out | none§ 2 Abs. 1, page 2 | not addressed | yes§ 2 Abs. 13, page 4 | yes§ 4 Abs. 2, page 6 | yes§ 1 Abs. 2, page 2 | yes§ 12 Abs. 3, page 12 |
| Swiss LifeSelbstständigeTake out | none9.1, page 13 | yes9.5, page 17 | yes9.4, page 15 | yes32, page 45 | yes23, page 37 | yes13, page 26 |
| uniVersaPremiumSBUTake out | none§ 2 Abs. 3, page 7 | yes§ 1 Abs. 4, page 4 | yes§ 1 Abs. 2, page 4 | yes§ 21, page 17 | yes§ 2 Abs. 22, page 9 | none§ 15 Abs. 1, page 16 |
| VOLKSWOHL BUNDSelbstständige -VersicherungTake out | none§ 1 Abs. 8, page 2 | yes§ 3 Abs. 2, page 5 | yes§ 1 Abs. 10, page 2 | yes§ 17, page 13 | yes§ 8 Abs. 1, page 9 | yes§ 11 Abs. 2, page 11 |
| VOLKSWOHL BUNDSelbstständige -Versicherung PerfectStartTake out | none§ 1 Abs. 8, page 2 | yes§ 3 Abs. 2, page 5 | yes§ 1 Abs. 10, page 2 | yes§ 17, page 13 | yes§ 8 Abs. 1, page 9 | yes§ 11 Abs. 2, page 11 |
| VOLKSWOHL BUNDSelbstständige -Versicherung PerfectStart plusTake out | none§ 1 Abs. 8, page 2 | yes§ 3 Abs. 2, page 5 | yes§ 2 Abs. 12, page 4 | yes§ 17, page 13 | yes§ 8 Abs. 1, page 9 | yes§ 11 Abs. 2, page 11 |
| VOLKSWOHL BUNDSelbstständige -Versicherung SBU plusTake out | none§ 1 Abs. 8, page 2 | yes§ 3 Abs. 2, page 5 | yes§ 2 Abs. 12, page 4 | yes§ 17, page 13 | yes§ 8 Abs. 1, page 9 | yes§ 11 Abs. 2, page 11 |
| WürttembergischeSelbstständigeTake out | none§ 2 Abs. 2, page 4 | not addressed | yes§ 2 Abs. 4, page 4 | yes§ 22 Abs. 1, page 17 | yes§ 6 Abs. 1, page 8 | yes§ 11 Abs. 2, page 12 |
| ZurichBerufsKaskoTake out | not addressed | yesLeistung infolge Arbeitsunfähigkeit, page 2 | yesBerufsunfähigkeit infolge Pflegebedürftigkeit, page 2 | not addressed | not addressed | not addressed |
Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.
About this archive, data downloads
This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 79 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.
German market: tariffs for people living in Germany.
Why we publish this
We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.
Still in progress
These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.
- ALTE LEIPZIGER
- NÜRNBERGER
For software and AI
The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.
Updated