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Total disability insurance in Germany: every tariff, every wording
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Key points side by side
Open a tariff for all 68 points and the full text.
- covered
- limited or only with an add-on
- no
- not addressed
| Provider and tariff | Pension | Under 3 hours | Partial incapacity | Market disregarded | Waiting period | End age benefit |
|---|---|---|---|---|---|---|
| Allianz Erwerbsunfähigkeitsvorsorge Total disabilityTake out Allianz Erwerbsunfähigkeitsvorsorge Total disability | not addressed | yes | not addressed | yes | not addressed | not addressed |
| Dialog SEU-protect Total disabilityTake out Dialog SEU-protect Total disability | yes | yes | not addressed | yes | yes | not addressed |
| VOLKSWOHL BUND Selbstständige -Versicherung Total disabilityTake out VOLKSWOHL BUND Selbstständige -Versicherung Total disability | yes | yes | not addressed | yes | yes | not addressed |
| Zurich ErwerbsKasko Total disabilityTake out Zurich ErwerbsKasko Total disability | yes | yes | not addressed | 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 68 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.
- AXA
- BarmeniaGothaer
- HDI
- Stuttgarter
- WWK
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