Insurance broker / Civil servant disability insurance / Policy wording archive Civil servant disability
LVM BU-Rente mit DU-Klausel: the policy wording in full
Berufsunfähigkeitsversicherung mit allgemeiner Dienstunfähigkeitsklausel im Grundwerk: Entlassung oder Versetzung in den Ruhestand aus gesundheitlichen Gründen gilt als Berufsunfähigkeit, ohne Befristung und mit Leistung bei Pflegebedürftigkeit.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.98 out of 5 stars from 5,042 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with LVM.
- AI has advised
- 2Your details
- Application to LVM
Thank you, we have your application.
We prepare it with LVM and get back to you with the documents.
Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for LVM BU-Rente mit DU-Klausel.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured monthly pension on unfitness for service or occupational disability (maximum, share of salary) | yes, up to the sum insured | „Die Rente zahlen wir monatlich im Voraus.“ | § 1 Abs. 1 b), page 1 |
| Product form: stand alone cover for unfitness for service, occupational disability cover with a civil servant clause, or rider | yes | „Allgemeine Bedingungen für die Berufsunfähigkeitsversicherung mit erweiterten Leistungen“ | Titel, page 1 |
| Who can be insured (federal, state and municipal civil servants, judges, soldiers, church officials) | yes | „Die vorstehenden Regelungen zur Dienstunfähigkeit gelten für Richter/ innen und …“ | § 2 Abs. 7 c), page 2 |
| Benefit for occupational disability from 50 percent alongside unfitness for service | yes | „Wird die versicherte Person während der Versicherungsdauer zu mindestens 50 % …“ | § 1 Abs. 1, page 1 |
| Retroactive payment after late notification | yes | „später als drei Monate nach ihrem Eintritt mitgeteilt, leisten wir rückwirkend für …“ | § 1 Abs. 3, page 1 |
| Worldwide cover, including postings abroad | yes | „Der Versicherungsschutz besteht weltweit, unabhängig davon, wo die ... Person ihren …“ | § 3 Abs. 3, page 4 |
| Maximum age at which cover ends (matched to the retirement age of the career) | not addressed |
Clause on unfitness for service
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General unfitness for service counts as occupational disability (clause present) | yes | „Berufsunfähigkeit im Sinne dieser Versicherungsbedingungen liegt auch vor, wenn die …“ | § 2 Abs. 7 a), page 3 |
| Genuine clause: the insurer follows the employer's decision without its own medical review | yes | „Berufsunfähigkeit im Sinne dieser Versicherungsbedingungen liegt auch vor, wenn die …“ | § 2 Abs. 7 a), page 3 |
| Insurer reserves its own review of unfitness for service (non genuine clause) | none | „Bezieht die wegen Dienstunfähigkeit in den Ruhestand versetzte oder entlassene …“ | § 7 Abs. 1, page 5 |
| Retirement on grounds of general unfitness for service triggers the benefit | yes | „Berufsunfähigkeit im Sinne dieser Versicherungsbedingungen liegt auch vor, wenn die …“ | § 2 Abs. 7 a), page 3 |
| Dismissal on grounds of general unfitness for service triggers the benefit (complete clause) | yes | „Berufsunfähigkeit im Sinne dieser Versicherungsbedingungen liegt auch vor, wenn die …“ | § 2 Abs. 7 a), page 3 |
| Certificate or report of the public medical officer is sufficient proof | yes | „bei Dienstunfähigkeit von Beamten zusätzlich ein entsprechendes Zeugnis, welches von …“ | § 4 Abs. 1 e), page 3 |
| Benefit only if unfitness rests solely on health grounds | yes | „Berufsunfähigkeit im Sinne dieser Versicherungsbedingungen liegt auch vor, wenn die …“ | § 2 Abs. 7 a), page 3 |
| Partial unfitness for service (limited fitness) insured | not addressed | ||
| Benefit for the whole period of unfitness up to the agreed end | yes | „Ist die Berufsunfähigkeit, die Dienstunfähigkeit oder die Pflegebedürftigkeit weggefallen“ | § 7 Abs. 4, page 5 |
| Benefit period for unfitness limited in time (for example 15 years, or a few years for officials on revocable appointment) | none | „Berufsunfähigkeit im Sinne dieser Versicherungsbedingungen liegt auch vor, wenn die …“ | § 2 Abs. 7 a), page 3 |
| Benefit also for occupational disability without a formal finding of unfitness for service | yes | „Berufsunfähigkeit im Sinne dieser Versicherungsbedingungen liegt auch vor, wenn die …“ | § 2 Abs. 7 a), page 3 |
| Waiver of abstract referral to another occupation | yes | „Übt die versicherte Person eine andere Tätigkeit aus, die sie aufgrund ihrer Ausbildung …“ | § 2 Abs. 1, page 3 |
| Concrete referral to another occupation actually pursued | yes | „eine andere Tätigkeit aus, die er/ sie aufgrund seiner/ ihrer Ausbildung und Erfahrung …“ | § 2 Abs. 7 b), page 2 |
| Reappointment to service (reactivation): benefit ends | yes | „Ist die Berufsunfähigkeit, die Dienstunfähigkeit oder die Pflegebedürftigkeit …“ | § 7 Abs. 4, page 5 |
Civil servant status and career
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Officials on revocable appointment (trainees) insured with the clause | yes | „Berufsunfähigkeit im Sinne dieser Versicherungsbedingungen liegt auch vor, wenn die …“ | § 2 Abs. 7 a), page 3 |
| Officials on probation insured with the clause | yes | „Berufsunfähigkeit im Sinne dieser Versicherungsbedingungen liegt auch vor, wenn die …“ | § 2 Abs. 7 a), page 3 |
| Officials with lifetime tenure insured with the clause | yes | „Berufsunfähigkeit im Sinne dieser Versicherungsbedingungen liegt auch vor, wenn die …“ | § 2 Abs. 7 a), page 3 |
| Fixed term officials and fixed term soldiers insured | not addressed | ||
| Change of status without new health check and without duty to notify | not addressed | ||
| Leaving the civil service: continuation as occupational disability cover | not addressed | ||
| Becoming a civil servant after inception: clause applies automatically or can be added without health check | not addressed | ||
| Starter scheme: higher pension or reduced premium in the first years of service | yes, up to the sum insured | „Alternativ kann eine sog. Startphase vereinbart werden. Dann ist der Beitrag während …“ | § 1 Abs. 5, page 1 |
| Matched to the five year qualifying period of the civil service pension (pension falls once entitlement exists) | not addressed | ||
| Civil service pension or transitional pay is set off against the benefit | not addressed |
Special unfitness for service
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Unfitness for police service insured | not addressed | ||
| Unfitness for fire service insured | not addressed | ||
| Unfitness for prison service insured | not addressed | ||
| Soldiers: unfitness for military service of career and fixed term soldiers insured | not addressed | ||
| Special unfitness: benefit on the finding itself, even if the official moves to another branch | not addressed | ||
| Benefit period for special unfitness limited (for example 30 or 72 months) | not addressed | ||
| Special unfitness insured only up to a certain age | not addressed | ||
| Missions abroad of soldiers and police (humanitarian aid, peacekeeping mandates) insured | not addressed |
Adjustments and options
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Guaranteed increase without new health check | yes, up to the sum insured | „Bei Beamten/ Beamtinnen gilt hiervon abweichend eine Obergrenze von 30% der jährlichen …“ | § 1 Abs. 9, page 2 |
| Service related events for increases: lifetime appointment, promotion, higher pay grade | not addressed | ||
| Premium indexation available, refusal without losing the right | not addressed | ||
| Guaranteed pension increase during a claim | not addressed | ||
| Extension option if the retirement age of the career is raised | not addressed | ||
| Reducing the pension after lifetime appointment with the right to restore it later | not addressed | ||
| Premium deferral or break during payment difficulties, parental leave or leave of absence | yes | „Für eine Stundung der Beiträge ist eine gesonderte Vereinbarung in Textform mit uns …“ | § 11 Abs. 5, page 7 |
| Benefit for prolonged sick leave (incapacity for work clause) for civil servants | not addressed |
Benefits and claims
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium waiver during a claim | yes | „Volle Befreiung von der Beitragszahlungspflicht“ | § 1 Abs. 1 a), page 1 |
| Reintegration aid on return to service | not addressed | ||
| Benefit for need of care regardless of unfitness for service | yes | „§ 2 Absatz 8 pflegebedürftig, erbringen wir die Versicherungsleistungen unabhängig vom …“ | § 1 Abs. 2, page 1 |
| Infection clause (ban on working under infection protection law), relevant for teachers and health services | not addressed | ||
| Evidence for a claim: deed or notice of retirement or dismissal | yes | „die Verfügung sowie die Urkunde über die Versetzung in den Ruhestand oder Entlassung …“ | § 4 Abs. 1 e), page 3 |
| Deadline for the insurer's claims decision | yes | „spätestens jedoch innerhalb von zwei Wochen mitgeteilt.“ | § 5 Abs. 3, page 4 |
| Review: insurer may check whether unfitness continues | yes | „Bezieht die wegen Dienstunfähigkeit in den Ruhestand versetzte oder entlassene …“ | § 7 Abs. 1, page 5 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| No benefit on dismissal or removal for disciplinary reasons | not addressed | ||
| War and civil unrest excluded (exceptions for official duties) | yes | „Dieser Ausschluss gilt allerdings nicht, wenn die Berufsunfähigkeit während des …“ | § 3 Abs. 2 a), page 4 |
| Terrorist attacks excluded | not addressed | ||
| Deliberately caused illness or self harm excluded | yes | „durch absichtliche Herbeiführung von Krankheit oder Kräfteverfall, absichtliche …“ | § 3 Abs. 2 e), page 4 |
| Mental illness excluded or restricted | none | „Grundsätzlich besteht unsere Leistungspflicht unabhängig davon, wie es zu der …“ | § 3 Abs. 1, page 4 |
Contract and disclosure
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Period covered by health questions (simplified questions for trainees) | not addressed | ||
| Period in which the insurer may rely on a breach of disclosure | yes | „Die genannten Rechte können wir nur innerhalb von fünf Jahren nach Vertragsabschluss …“ | § 9 Abs. 12, page 5 |
| Waiver of withdrawal, termination and adjustment for innocent non disclosure | yes | „verzichten wir auf die uns gemäß § 19 Absätze 3 und 4 Versicherungsvertragsgesetz (VVG) …“ | § 9 Abs. 13, page 6 |
| No ordinary right of termination for the insurer | not addressed | ||
| No duty to report a change of career, employer or risky hobbies | not addressed |
Specific to Austria and Spain
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Austria: retirement for permanent unfitness for service (section 14 BDG) accepted as proof of occupational disability | not addressed | ||
| Spain: retirement for permanent incapacity for service (Clases Pasivas, MUFACE) as insured event | not addressed | ||
| Spain: daily benefit during sick leave (temporary incapacity), compensates the cut in pay | not addressed | ||
| Spain: compensation by scale (fixed days per diagnosis) instead of actual duration | not addressed | ||
| Spain: franchise (waiting days before payment starts) | not addressed | ||
| Spain: maximum payment period per case and per year | 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.
Policy wordings and provider
- Legal entity
- LVM Lebensversicherungs-AG
- Distribution
- through tied agents
- Allgemeine Bedingungen für die Berufsunfähigkeitsversicherung mit erweiterten Leistungen (L 324) Edition: L 324 (06/2025) Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for LVM BU-Rente mit DU-Klausel and available as plain text.
Volltext LVM BU-Rente mit DU-Klausel Dienstunfähigkeit · As text (Markdown) LVM BU-Rente mit DU-Klausel Service disability